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🏛2021虛擬銀行比較 Hong Kong Virtual Banks: Ant, AirStar, Fusion, Livi, Ping An OneConnect, WeLab & ZA Bank - YouTube
Channel: UncleMouse 小分享
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In my previous video, I have unboxed these 3 virtual bank debit cards.
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I found many audiences are interested in other virtual banks.
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Actually, I have open account in all 8 virtual banks in Hong Kong.
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Let's see how the user experience of these 8 virtual banks.
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Hello! I am UncleMouse!
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There 3 banks have referral scheme for new users.
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Enter these referral code in sign up and you can get HK$100 reward.
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All these virtual banks work only with mobile app.
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Go to AppStore or Google Play for installation.
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The 1st one is Livi Bank.
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Enter you telephone number for sign up.
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The requirement for sign up is listed on the left hand side.
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You have to be above 18 years old Hong Kong residence with HK mobile phone number.
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Other virtual banks also request similar information.
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For earning the HK$100 reward, you have to enter the referral code.
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If you don't have referral code, you can enter " t3pw5fgo ".
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Later, enter your personal information.
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Take photo of your HKID card and selfie for identity verification.
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The approval process should take about 1 day.
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This is its main screen.
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Your reward should be shown here.
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It provides you a virtual mastercard which you can link it with Apple Pay or Google Pay.
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1% rebate for in-shop purchase
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8% rebate for online shop.
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However, the maximum amount of rebate is HK$800.
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You can also use it for UnionPay QR code payment.
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It will provide promotion with different brands in different period.
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These are shops which provide promotion in this preiod.
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You can transfer money with bank account and Fast Payment System (FPS).
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You can send money immediately or schedule the payment.
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The 2nd One is Mox Bank.
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If you enter referral code and spend more than HK$100 in the first 30 days,
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you will get HK$100 rebate.
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After installing the app, tap sign up.
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Enter your phone number and email address.
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If you don't have referral code, you can enter " 5GQDUQ ".
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This is its main screen.
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At the end of each month, it will generate a report to you.
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Summarizing your spending in each month.
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I like its user interface the most among all the virtual banks in Hong Kong.
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You can link its debit card to both Apple Pay and Google Pay.
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Before receiving the physical card, you can also spend by your phone or online shopping.
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Mox's interest rate is 0.65%.
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Basically, you can earn 1% rebate for using its debit card.
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For these shops, the rebate is pumped up to 5%.
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Periodically, it will offer promotion with other brands.
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You can check regularly to see if any offers you are interested.
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The 3rd one is ZA Bank.
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After sign up with referral code and spend one time,
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you will get HK$100 rebate.
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These are the information for sign up.
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Its debit card support Apple Pay.
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Before you get the physical card, you can use Apple Pay to spend in physical shop
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or carry out online shopping.
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After installation, tap open account.
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Enter your mobile phone number and referral code.
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If you don't have referral code, you can enter " E9NE69 ".
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You can deposit Hong Kong Dollar (HKD), Chinese Yuan (CNY) and US Dollar (USD) into ZA Bank.
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For the 1st HK$200,000, the interest rate is 1%.
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For time deposit, you can refer to these 3 tables.
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The rebate rate of spending with its debit card is subject to "PowerDraw".
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The rebate rate varies from 1% to 200%.
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You can also earn pocket money by completing the tasks in ZA Quest.
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Furthermore, it also provide loan service.
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ZA Bank allows you to pay bill by scanning FPS QR code.
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Quite convenient.
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[Please subscribe]
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The next one is WeLab Bank.
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Its spokesperson is Benjamin Au Yeung Wai Hoo.
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Let's watch its advertising.
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The referral code "BENSIR" in not valid now. Please use " FPBQ9O ".
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It is the main screen.
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You can set your own FPS ID.
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You can join "GoSave" scheme to earn more interest.
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However, it seems the app function is not completed yet.
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Hope the app will be updated soon.
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[Please subscribe]
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The next one is AirStar Bank.
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From its web site, it looks like focusing in personal loan.
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For the 1st HK$20,000, the interest rate is 3.6%.
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For CNY & USD, the interest rate is 0.1% & 0.25% respectively.
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This is the time deposit interest rate.
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Screen recording is disabled in its APP.
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It is good in security.
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Disadvantage is you cannot screen cap for record.
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You can unlock its APP by fingerprint like other mobile bank app.
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Its APP interface is quite simple.
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Here is a referral code " V94T5B " for borrowing money.
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You can enter " V94T5B " while borrowing money.
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Tap the middle bottom icon for applying loan.
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You can borrow HK$1,000,000 or 12 month salary.
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The interest rate is 1.85%
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No other special functions in its APP.
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Setting for FPS and transfer limit.
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You can send money to account number, email & telephone number.
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However, FPS ID is not supported.
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The next one is Ant Bank.
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For the first HK$20,000, the interest rate is 2%.
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For security reason, it also does not allow you to capture the screen.
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You have to put your money in this Libra Saving to earn the 2% interest.
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It can transfer money to account number, email, telephone number and FPS ID.
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The outgoing limit is HK$200,000.
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The next one is Fusion Bank.
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These are the interest rate, not very high.
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Time deposit for HKD, CNY and USD.
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Please refer to these tables for the interest rate.
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You can link up Fusion Bank account with WeChat Pay.
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It gives you HK$188 coupon.
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You can visit its web site for how to link up with WeChat.
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This is the main screen.
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The cross-border transfer is not available yet.
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It supports account number, email, telephone number and FPS ID.
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It also have a scan function.
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However, it failed in scanning the QR code on utility bills.
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Maybe it is for scanning FPS ID only.
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Up to now, Fusion Bank is the only bank you can exchange foreign currency.
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Including HKD, CNY & USD.
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These are the exchange rates compared to the rate shown in Google.
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The next one is Ping An One Connect Bank.
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In the website, it seems concentrate in loan for small and medium enterprise.
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For the 1st HK$500,000, the interest rate is 0.6%.
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This is the main screen.
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You can also input referral code when sign up.
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However, it didn't mention any rewards.
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You can enter my referral code to see if any bonus will be given to you.
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This is the transfer interface and it support FPS ID.
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You can sent HK$500,000 max daily.
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It supports Jetco cardless withdraw.
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Choose cardless withdraw at Jetco ATM.
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Tap cardless withdraw in your phone.
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Enter the amount you want to withdraw.
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Then it will send you a SMS verification code.
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Scan the QR code on the screen of ATM.
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Tap "take cash" to get your money.
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[Please subscribe]
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Do you get confusion with these 8 virtual banks?
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I have made a table to summarize the features.
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Hope it help you to choose the one suits you most.
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Thanks for watching! Please comment, like, share & subscribe! Bye bye!
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