港元定期優惠 12個月都有高息!10萬蚊放一年可賺$4,700!6間中長期低門檻高息銀行合集

文: U Magazine
2023.11.24

這一年,利率幾乎有升無減,雖然一直都以1-3個月定期利息最高,但最近連12個月都有高息優惠,而且門檻不高,10萬或以下都做到!這次幫大家整合了6間中長期低門檻高息銀行,如果怕每3個月轉一次,想放一年,本金又不算很多,可以參考一下。

同場加映:
【家居達人】保鮮紙妙用8招 去漬一流/防滑防倒必備

虛擬銀行最高息 12個月做到4.7%!

不少銀行短期都做到超過5%利率,但很多人都會怕麻煩要將資金轉來轉去。最近部分大行存款期12個月都做到較高的利息,但最低入場費要50萬或以上。暫時只見兩間虛擬銀行—WeLab Bank及富融銀行提供高息定期存款優惠,兩者都做到4.7%,入場費分別為10蚊及1蚊,很有彈性!

銀行存款期年利率最低/最高存款額備註
WeLab Bank12個月4.7%10蚊或以上WeLab Bank App開戶
富融銀行12個月4.7%1蚊或以上Fusion Bank app開戶

大眾銀行10萬蚊入場 12個月利息4.45%

或者部分人對虛擬銀行無太大的信心,其實都有幾間大型銀行對存款期12個月的港元定期做到較理想的利息,包括大眾銀行、南洋商業銀行及東亞銀行,全部入場費只需10萬元。另外,由渣打銀行全力策動的虛擬銀行Mox Bank都做到4.25%,1蚊就可以開戶!

銀行存款期年利率最低/最高存款額備註
大眾銀行12個月4.45%$100,000-$499,999 
南洋商業銀行12個月4.3%$100,000-$999,999網上銀行/手機開戶
東亞銀行12個月4.15%$100,000 - $10,000,000新資金
Mox Bank12個月4.25%1蚊或以上新資金

text/ Katty
photo/ Photo AC、Unsplash、Mox Bank

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