Some preliminary knowledge you need to know: Basic knowledge of bank accounts and cards in Hong Kong
Some Hong Kong virtual banks have opened to support account opening with mainland ID cards, but they basically require being in Hong Kong and providing Hong Kong entry and exit records to open an account.
Note that virtual banks in Hong Kong can also be called digital banks.
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livi bank
May stop opening accounts for users in mainland China in December 2024.
- Supports opening accounts with mainland ID cards. Mainland Chinese ID card holders can open accounts in Hong Kong with their mobile phones.
Has a virtual card, no physical card, supports Apple/Google PayNow the card is gone, and you can only use UnionPay QR code to spend.- Supports QR cardless withdrawal
- Supports eDDA (unavailable to mainland users), FPS
ZA Bank 眾安銀行
- Supports opening accounts with mainland ID cards. Mainland Chinese ID card holders can open accounts in Hong Kong with their mobile phones.
- Has a physical card, supports Apple/Google Pay
- Supports eDDA, FPS
- Has an investment account
It costs money to send the physical card to China
天星銀行
- Supports opening accounts with mainland ID cards. Mainland Chinese ID card holders can open accounts in Hong Kong with their mobile phones.
- Has a physical card, card fee is 50, postage is 0 yuan, mainland address is express delivery. You can just use the virtual card.
- Withdrawals require transferring to other bank accounts first
- Supports eDDA, FPS
- The only virtual bank that supports bank-securities transfer, but only Futu
螞蟻銀行（香港）
- 🆕7/14 Supports opening accounts with mainland ID cards Mainland Chinese ID card holders can open accounts in Hong Kong with their mobile phones
- No card
- Withdrawals require transferring to other bank accounts first
- Does not support eDDA, supports FPS
- Can invest in buying funds
- Can be linked to Alipay Hong Kong
Welab Bank 匯立銀行
- Has a physical card, supports Apple/Google Pay
- Supports eDDA, FPS
- Has an investment account
It costs money to send the physical card to China
Fusion Bank 富融銀行
- No card
- Supports QR cardless withdrawal
- Supports eDDA, FPS
- Has an investment account
平安壹賬通銀行（香港）
- No card
- Withdrawals require transferring to other bank accounts first
- Does not support eDDA, supports FPS
- Cannot exchange currencies
- Can only use FPS for deposit and withdrawal
- Cannot remit for deposit and withdrawal
The following do not currently support opening accounts with mainland Chinese ID cards.
Mox Bank
- Has a physical card, supports Apple/Google Pay
- Supports eDDA, FPS
Recommended reading
Basic knowledge of bank accounts and cards in Hong Kong
Hong Kong Bank FPS Detailed Usage Guide to Avoid Mistakes
Hong Kong Bank CHATS US Dollar and Euro Transfer Fees
Apply for a Hong Kong bank card by opening a bank account in Hong Kong
Transfer money from mainland China to Hong Kong for free
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