RelatedHong Kong, ChinaZero Min DepositOnline OnlyFast Approval

Fusion Bank富融银行

Hong Kong, China 虚拟银行 Fully online Residents only ★ 4
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Standing benefit

Fusion Bank benefits: Start from HKD 1 · No account management fee

No minimum deposit — you can start with HKD 1. No management fee and no low-balance penalty. Standing benefits — no campaign end date.

No Minimum Deposit No Monthly Fee Multi-Currency Digital Banks
Open an account ↗ Benefits in detail →
Minimum depositNo minimum deposit required (from HKD 1)
Monthly feeZero maintenance fee
Minimum balanceNo minimum balance
How to apply—
Processing timeApply online in ~5 min; review 1-3 days (must be in Hong Kong)
Institution typeVirtual Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Advantages

  • Zero min deposit, no admin fee, from HKD 1
  • Tencent-led consortium; first virtual bank with cross-border remittance
  • HKD/USD/CNY FX and transfers; WeChat Pay binding perks

Things to note

  • No ATM card; cash-out needs transfer to another bank
  • Must be inside HK; mainland residents cannot open remotely
  • Video interview required; strict review, no top-up after rejection

Documents required

  • Mainland ID + Exit-Entry Permit (or passport) for mainland residents
  • HK ID for residents
  • Proof of address within 3 months
  • Face verification / video interview; entry records for mainland residents

Online submission in ~5 minutes; must be inside HK with video interview, review 1–3 days.

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

No Monthly FeeNo Min DepositFully OnlineDigital BankFast Approval
Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.

Other accounts in this region

Bank of China (Hong Kong) ★ 4.4 HSBC Hong Kong ★ 4.3 ZA Bank ★ 4.3 Standard Chartered HK ★ 4.2 Hang Seng Bank ★ 4.2 Mox Bank ★ 4.2 Airstar Bank ★ 4.2

Guides mentioning this bank

How to Open a Hong Kong Bank Account (2026 Guide)→ Hong Kong's 8 Virtual Banks Compared: ZA, Mox, Airstar, WeLab→
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