最新ZA Bank 眾安銀行宣布由3月8日開始，其港元高息定期存款由以往首50萬有1%的優惠，改到只有只適用於200,000以下的存款，其後就只有0.01%，雖然如此，其1%的高息存款已經是各銀行活期存款之中甚高的水平。
渣打有份的MOX虛擬銀行亦由一開始的首100萬港元存款有1%，到現在只得首500,000港元有0.65%，其後就只有0.01%
天星銀行就有首20,000有3.6%，不過只限首3個月。這只可算是迎新優惠。
其他虛擬銀行就主打較高利率的定期存款。
以三個月定期存款計算，暫時welab back 匯立銀行及富融銀行最高，都有0.7%，但各自都有一些條件需要符合，例如匯立需要集齊50人，富融就需要存款額達100萬港元。如果不想有太多限制的話，小額都可以做定期的有眾安同天星，年利率有有0.65%。
富融銀行 Fusion Bank
匯立銀行 Welab Bank
眾安銀行 Za Bank
天星銀行 Airstar Bank
資料只供参考，詳情請向相關銀行查詢。
English Version
Reducution of HKD savings interest rate of virtual banks in Hong Kong
Due to the reduction of Hibor interest rate, virtual banks in Hong Kong can no longer offer high saving interest rate to customers. Za Bank announced to reduce the maximum amount of savings to enjoy the 1% interest rate from 500,000 to 200,000. However, its saving rate is still the highest amongst all commercial banks, hatever virtual or traditional banks.
Mxo bank, which is supported by Standarded Charter Bank, also announced to reduce the saving interest rate. It offered 1% interest rate up to HKD 1 million before, however, it now only offers 0.65% up to 500,000. The rest of the savings can only enjoy 0.01% interest rate.
All in all, the interest rates of fixed deposit in virtual banks are still high. For example, Fusion Bank and Welab Bank offer 0.7% for 3-month fixed deposit. For Fusion bank, the minimum amount requirement is HKD 1 million. For Welab Bank, it requires at least 50 customers to do the deposit togeether.
Stay tuned for more updates on the development of virtual banks in Hong Kong.
Disclaimer: Information provided is for reference only, please check the banks for more details.
