虛擬銀行近年於香港越來越興起,但由於虛擬銀行以互聯網、電子為主的形式營運,讓不少人質疑虛擬銀行是否沒有保障,使人卻步。但事實上虛擬銀行不止有保障之餘,在許多優惠方面亦更甚於傳統銀行。一齊黎睇睇虛擬銀行同傳統銀行嘅五大比較啦!
首先,獲香港金融管理局(金管局)發牌的虛擬銀行皆參加了存款保障計劃,而最高保障額為每位存款人$50萬,亦即市民只要於虛擬銀行存款不多於$50萬,萬一出事也可獲得全額賠償。
1.虛擬銀行無實體分行
虛擬銀行最大的特點。虛擬銀行的所有銀行服務都透過手機app、互聯網或其他電子渠道提供,與普遍的傳統銀行相反,並沒有實體分行。
2.儲蓄卡(Debit Card)&信用卡(Credit Card)
虛擬銀行沒有發行信用卡,取而代之的是儲蓄卡。使用方法與信用卡同樣,但儲蓄卡的付款方式為即時從銀行扣賬,若用家的銀行戶口沒有任何餘額時將不能付款,類似市民較常用的EPS易辦事。
3.無最低存款額要求
市民在虛擬銀行開戶並沒有最低存款額要求,要求彈性適合存款需求較低或基層用戶。
4.活期存款利息較高
相較傳統銀行,虛擬銀行的活期存款利息較高。目前香港的虛擬銀行活期存款利息大多都高於1%,而傳統銀行則不足1%。
ZA Bank活期存款利率:
MOX Bank活期存款利率:
滙豐活期存款利率:
5.銀行業務較少
虛擬銀行也有遜色之處。虛擬銀行的業務範圍較少,只維持存款和貸款等基本銀行服務,只有少數虛擬銀行開設保險服務,由此證明虛擬銀行在短期內亦難以取代傳統實體銀行。
來源:ZA Bank、MOX Bank、香港滙豐
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