【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

Array ( [0] => stdClass Object ( [title] => 獨家專訪「齊齊研究六合彩」創辦人強哥!聰明投注策略增中獎機率 強哥:中六合彩需要頭腦 [articleId] => 20063641 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20063641/%E7%8D%A8%E5%AE%B6%E5%B0%88%E8%A8%AA-%E9%BD%8A%E9%BD%8A%E7%A0%94%E7%A9%B6%E5%85%AD%E5%90%88%E5%BD%A9-%E5%89%B5%E8%BE%A6%E4%BA%BA%E5%BC%B7%E5%93%A5-%E8%81%B0%E6%98%8E%E6%8A%95%E6%B3%A8%E7%AD%96%E7%95%A5%E5%A2%9E%E4%B8%AD%E7%8D%8E%E6%A9%9F%E7%8E%87-%E5%BC%B7%E5%93%A5-%E4%B8%AD%E5%85%AD%E5%90%88%E5%BD%A9%E9%9C%80%E8%A6%81%E9%A0%AD%E8%85%A6 ) [1] => stdClass Object ( [title] => 的士司機大爆行內辛酸史!每日搵千零兩千蚊?網民︰真係唔知的士咁好搵 [articleId] => 20064049 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20064049/%E7%9A%84%E5%A3%AB%E5%8F%B8%E6%A9%9F%E5%A4%A7%E7%88%86%E8%A1%8C%E5%85%A7%E8%BE%9B%E9%85%B8%E5%8F%B2-%E6%AF%8F%E6%97%A5%E6%90%B5%E5%8D%83%E9%9B%B6%E5%85%A9%E5%8D%83%E8%9A%8A-%E7%B6%B2%E6%B0%91-%E7%9C%9F%E4%BF%82%E5%94%94%E7%9F%A5%E7%9A%84%E5%A3%AB%E5%92%81%E5%A5%BD%E6%90%B5 ) [2] => stdClass Object ( [title] => 67歲校工遇假冒校董騙案!痛失全部積蓄近$13萬!被校方拒絕補償兼解僱 校方咁回應... [articleId] => 20063984 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20063984/%E9%A8%99%E5%BE%92%E5%81%87%E5%86%92%E6%A0%A1%E8%91%A3%E5%80%9F%E9%8C%A2-%E6%A0%A1%E5%B7%A5%E6%B1%9F%E6%B9%96%E6%95%91%E6%80%A5%E6%90%8D%E5%A4%B1%E8%BF%91-%E8%90%AC-%E4%B8%8D%E5%BF%BF%E8%A2%AB%E9%A8%99%E5%BE%8C%E9%81%AD%E8%A7%A3%E5%83%B1-%E6%A0%A1%E6%96%B9%E5%92%81%E5%9B%9E%E6%87%89 ) [3] => stdClass Object ( [title] => 擲$130萬裝修元朗村屋!裝修師傅N個理由拖足一年 單位更被貼大字報?業主報警:放棄村屋亦要追討 [articleId] => 20063839 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20063839/%E6%93%B2%E9%80%BE%E7%99%BE%E8%90%AC%E8%A3%9D%E4%BF%AE%E5%85%83%E6%9C%97%E6%9D%91%E5%B1%8B-%E8%A3%9D%E4%BF%AE%E5%B8%AB%E5%82%85n%E5%80%8B%E7%90%86%E7%94%B1%E6%8B%96%E8%B6%B3%E4%B8%80%E5%B9%B4-%E5%96%AE%E4%BD%8D%E6%9B%B4%E8%A2%AB%E8%B2%BC%E5%A4%A7%E5%AD%97%E5%A0%B1-%E6%A5%AD%E4%B8%BB%E5%A0%B1%E8%AD%A6-%E6%94%BE%E6%A3%84%E6%9D%91%E5%B1%8B%E4%BA%A6%E8%A6%81%E8%BF%BD%E8%A8%8E ) [4] => stdClass Object ( [title] => 香港曾有「綠雨」暴雨警告信號?30年從未使用原因曝光天文台解釋分級制 [articleId] => 20063781 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20063781/%E9%A6%99%E6%B8%AF%E6%9B%BE%E6%9C%89-%E7%B6%A0%E9%9B%A8-%E6%9A%B4%E9%9B%A8%E8%AD%A6%E5%91%8A%E4%BF%A1%E8%99%9F-%E5%A4%A9%E6%96%87%E5%8F%B0%E8%A7%A3%E9%87%8B%E6%9A%B4%E9%9B%A8%E5%88%86%E7%B4%9A%E5%88%B6 ) )

↓【限時搶⚡】森源安睡足艾貼↓

↓吸走體內毒素|改善血液循環 ↓

↓吸走體內毒素|改善血液循環 ↓


Array ( [0] => stdClass Object ( [title] => 獨家專訪「齊齊研究六合彩」創辦人強哥!聰明投注策略增中獎機率 強哥:中六合彩需要頭腦 [articleId] => 20063641 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20063641/%E7%8D%A8%E5%AE%B6%E5%B0%88%E8%A8%AA-%E9%BD%8A%E9%BD%8A%E7%A0%94%E7%A9%B6%E5%85%AD%E5%90%88%E5%BD%A9-%E5%89%B5%E8%BE%A6%E4%BA%BA%E5%BC%B7%E5%93%A5-%E8%81%B0%E6%98%8E%E6%8A%95%E6%B3%A8%E7%AD%96%E7%95%A5%E5%A2%9E%E4%B8%AD%E7%8D%8E%E6%A9%9F%E7%8E%87-%E5%BC%B7%E5%93%A5-%E4%B8%AD%E5%85%AD%E5%90%88%E5%BD%A9%E9%9C%80%E8%A6%81%E9%A0%AD%E8%85%A6 ) [1] => stdClass Object ( [title] => 的士司機大爆行內辛酸史!每日搵千零兩千蚊?網民︰真係唔知的士咁好搵 [articleId] => 20064049 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20064049/%E7%9A%84%E5%A3%AB%E5%8F%B8%E6%A9%9F%E5%A4%A7%E7%88%86%E8%A1%8C%E5%85%A7%E8%BE%9B%E9%85%B8%E5%8F%B2-%E6%AF%8F%E6%97%A5%E6%90%B5%E5%8D%83%E9%9B%B6%E5%85%A9%E5%8D%83%E8%9A%8A-%E7%B6%B2%E6%B0%91-%E7%9C%9F%E4%BF%82%E5%94%94%E7%9F%A5%E7%9A%84%E5%A3%AB%E5%92%81%E5%A5%BD%E6%90%B5 ) [2] => stdClass Object ( [title] => 67歲校工遇假冒校董騙案!痛失全部積蓄近$13萬!被校方拒絕補償兼解僱 校方咁回應... [articleId] => 20063984 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20063984/%E9%A8%99%E5%BE%92%E5%81%87%E5%86%92%E6%A0%A1%E8%91%A3%E5%80%9F%E9%8C%A2-%E6%A0%A1%E5%B7%A5%E6%B1%9F%E6%B9%96%E6%95%91%E6%80%A5%E6%90%8D%E5%A4%B1%E8%BF%91-%E8%90%AC-%E4%B8%8D%E5%BF%BF%E8%A2%AB%E9%A8%99%E5%BE%8C%E9%81%AD%E8%A7%A3%E5%83%B1-%E6%A0%A1%E6%96%B9%E5%92%81%E5%9B%9E%E6%87%89 ) [3] => stdClass Object ( [title] => 擲$130萬裝修元朗村屋!裝修師傅N個理由拖足一年 單位更被貼大字報?業主報警:放棄村屋亦要追討 [articleId] => 20063839 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20063839/%E6%93%B2%E9%80%BE%E7%99%BE%E8%90%AC%E8%A3%9D%E4%BF%AE%E5%85%83%E6%9C%97%E6%9D%91%E5%B1%8B-%E8%A3%9D%E4%BF%AE%E5%B8%AB%E5%82%85n%E5%80%8B%E7%90%86%E7%94%B1%E6%8B%96%E8%B6%B3%E4%B8%80%E5%B9%B4-%E5%96%AE%E4%BD%8D%E6%9B%B4%E8%A2%AB%E8%B2%BC%E5%A4%A7%E5%AD%97%E5%A0%B1-%E6%A5%AD%E4%B8%BB%E5%A0%B1%E8%AD%A6-%E6%94%BE%E6%A3%84%E6%9D%91%E5%B1%8B%E4%BA%A6%E8%A6%81%E8%BF%BD%E8%A8%8E ) [4] => stdClass Object ( [title] => 香港曾有「綠雨」暴雨警告信號?30年從未使用原因曝光天文台解釋分級制 [articleId] => 20063781 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20063781/%E9%A6%99%E6%B8%AF%E6%9B%BE%E6%9C%89-%E7%B6%A0%E9%9B%A8-%E6%9A%B4%E9%9B%A8%E8%AD%A6%E5%91%8A%E4%BF%A1%E8%99%9F-%E5%A4%A9%E6%96%87%E5%8F%B0%E8%A7%A3%E9%87%8B%E6%9A%B4%E9%9B%A8%E5%88%86%E7%B4%9A%E5%88%B6 ) )