Hong Kong Bank Account Welcome Offers
Welcome rewards and referral codes for opening Hong Kong bank accounts, including virtual banks — with the eligibility rules and steps to claim.
Compare these offers side by side →Guides & playbooks
All guides → →How to compare Hong Kong bank value: rates, funding, access and protection
Compare Hong Kong deposits and bank offers against the cash you actually need. Separate an annualised quote from interest over the term, then put funding, fees, access and deposit protection on one table.
7 min readHong Kong Virtual Bank Invite Codes: ZA Bank, Mox, EleBank and Ping An Compared (Updated Monthly)
Current referral offers from ZA Bank, Mox, EleBank and Ping An Digital Bank in one table: rewards, promo dates, who counts as a new customer and the thresholds — cash, vouchers or a deposit rate, with official or in-app sources. Updated monthly.
About 8 minutesProvider
Standard Chartered Hong Kong (渣打銀行)
Book a Standard Chartered Hong Kong Priority Private (優先私人理財) opening through this referral link, which attaches referral code A3872270. New clients who open at a branch between 1 October and 31 December 2026 and deposit at least HK$8 million of new funds in full at sign-up receive HK$27,000 (or 270,000 Asia Miles); Professional Investor status raises this to HK$38,888, or HK$58,888 with HK$15 million or more. The funds must stay until a set date in early 2027 and the tier for 12 months; cash is paid by 30 June 2027.
Requirement: At least HK$8,000,000 of new funds, deposited in full at Priority Private sign-up, with Total Balance kept at or above that amount until the hold date (31 January 2027 for October openings); HK$15,000,000 plus Professional Investor status for the top tier
HardOnline registration plus a branch appointment to open the account; the new funds then stay in place until 31 January to 31 March 2027, depending on the opening monthPayout Cash to an HKD deposit account on or before 30 June 2027; Asia Miles, if registered by 31 January 2027, 4–6 weeks after that date, per Standard Chartered's Priority Private welcome-offer terms
Verified 11 October 2026 · Ends 31 December 2026
Provider
DBS Treasures (星展豐盛理財)
Use referral code H0UQW68U to apply for DBS Treasures between 1 October and 31 December 2026. DBS advertises welcome rewards up to HK$53,800, while its referral terms require a new-to-DBS customer to enter the code, keep an average personal relationship balance of at least HK$1,000,000 from the seventh day after joining through the relevant counting period, and remain a Treasures customer; check the live welcome terms for the exact reward mix.
Requirement: Maintain average personal relationship balance of at least HK$1,000,000 (or foreign-currency equivalent) during the applicable campaign counting period
Hard20–30 minutes to apply, plus the campaign's balance-counting periodPayout Welcome rewards are credited to your DBS current account in February, March or April 2027 for October, November or December joiners; the Securities Transfer-in Reward by 30 April 2027.
Verified 24 October 2026 · Ends 31 December 2026
Provider
Standard Chartered Hong Kong (渣打銀行)
Use the SC referral route for the bank’s October–December 2026 Premium or Priority Banking welcome: base cash of HK$500–HK$22,000 for new funds from HK$100,000 or HK$1 million respectively, with separate extras on top. The referee receives the ordinary welcome offer, not an extra referral payment; deposit deadlines, holding dates and a 12-month clawback apply.
Requirement: New funds of at least HK$100,000 (Premium Banking) or HK$1,000,000 (Priority Banking), deposited by the deadline (30 November 2026 for October sign-ups; 31 October 2026 for Priority's October extra) and kept until the holding date
Hard20-30 minutes to register and apply, plus new funds held until the bank's designated datePayout Cash (or CIO fund units) on or before 30 June 2027; Asia Miles 4-6 weeks after that. Miles or fund units not registered by 31 January 2027 are paid as cash, per Standard Chartered's welcome-offer terms
Verified 11 October 2026 · Ends 31 December 2026
Provider
Fusion Bank (富融銀行)
The supplied Fusion Bank invitation says new customers can receive three fixed-deposit rate coupons with interest advertised up to HK$7,306 plus US$1,000, including a headline rate of up to 21% p.a. Use code CASH82P while opening the account; the coupon screen, deposit amount, tenor, expiry and live terms control what you can actually claim.
Requirement: The supplied invitation does not state the qualifying deposit amount, eligible tenor, coupon expiry or whether new-customer exclusions apply; read the in-app terms before placing a fixed deposit
MediumAbout 5–10 minutes to download the app and apply; fixed-deposit maturity depends on the selected tenorPayout Interest is paid according to each fixed-deposit coupon's maturity and the live Fusion Bank terms; the supplied invitation does not state a single payout date
Verified 23 October 2026
Provider
inMotion 動感銀行
Open inMotion 動感銀行 through this referral and code 1P6X4N7. The extra HKD savings rate is 0.5% p.a., then 1.25% p.a., and reaches 7.88% p.a. only in the January 2027 stage; new customers can also earn up to HK$3,000 cash. Anyone who registers the October MOTION Deposit and keeps HK$10,000 or more there until 31 October 2026, 6pm enters a draw for Sydney/Melbourne trips: 20 winners each get two Hong Kong Airlines economy return tickets.
Requirement: New customer with HK permanent ID; register MOTION Deposit and deposit HK$10,000+ new funds by 31 Oct 2026, 6 pm
MediumAbout 15 minutes to download and open the accountPayout Interest, cash rewards and any flight promotion follow current inMotion campaign terms
Verified 24 October 2026 · Ends 31 December 2026
Provider
Standard Chartered Hong Kong (渣打銀行)
Existing Standard Chartered Hong Kong clients with Premium Banking or above can set up Bonus Saver in SC Mobile through this link (code A3872270) by 1 January 2027; the bank's welcome offer itself runs from 1 November 2026 to 30 January 2027. Qualifying deposits averaging HK$20,000 a month earn a 0.15 g gold coin plus HK$1,600 (HK$2,800 at HK$80,000 or more), but they must continue every month until the reward is paid by 30 June 2027.
Requirement: Qualifying deposits starting within 2 calendar months of opening and averaging at least HK$20,000 a month over the first 3 months (HK$80,000 for the HK$2,000 tier), then at least HK$20,000 every month until the reward is paid
Medium10 minutes to apply in SC Mobile, then qualifying deposits every month until the reward is paid (up to eight months, November 2026 to June 2027, for a November application)Payout Cash is credited to the HKD Bonus Saver on or before 30 June 2027. The gold coin is not posted directly: a redemption letter is sent by registered mail by 30 June 2027, and you must tell the bank if it has not arrived by 31 July 2027
Verified 1 November 2026 · Ends 1 January 2027
Provider
ZA Bank (眾安銀行)
Open a new ZA Bank savings account in Hong Kong with PJ3Y13 by 18 November 2026. The advertised HK$2,000 is voucher value with transaction and holding thresholds, rather than cash. Within 14 days you can also unlock two +19.9% p.a. 7-day HKD time-deposit coupons and a conditional US$30 MU stock voucher, which is not a draw.
Requirement: Each voucher has its own transaction and holding conditions; the HK$780 fund voucher needs HK$500,000 subscribed and 39 consecutive holding days. Within 14 days, a single HK$1,000 deposit unlocks the first deposit coupon (new funds up to HK$20,000), and an end-of-day total balance of HK$1,000 with deposits, funds and stocks held on the same day unlocks the second (up to HK$50,000). Check the reward plan in the app.
Medium15-30 minutes to open an account online, plus any welcome tasksPayout Rewards within 30 working days of meeting each condition; stock-voucher cashback within 3 trading days of settlement. Claim deposit coupons and the MU voucher in ZA Quest within 7 days of qualifying.
Verified 31 October 2026 · Ends 18 November 2026
Provider
EleBank (大象銀行)
Open an EleBank (大象銀行) personal account with invite code W2JRF5 on or before 30 November 2026 (valid Hong Kong identity card; no EleBank personal account in the previous 12 months). The rewards are an 18% p.a. coupon on a 1-month HKD time deposit of up to HK$50,000 (about HK$744 over 30 days), US$20 of NVDA stock and HK$230 in task vouchers, each valid for 30 days from issue. Completing every task ties up about HK$60,000 for a month; stock rewards carry investment risk.
Requirement: Account opened with invite code W2JRF5 on or before 30 November 2026. The rate coupon needs no task and covers one 1-month HKD time deposit of up to HK$50,000. NVDA stock needs an investment account plus activated US stock trading. The HK$100 fund voucher needs one fund buy of at least HK$10,000 and a 30-day daily average total assets of at least HK$10,000, counted from the day the voucher is issued (time deposits do not count). The HK$100 stock voucher needs 3 stock buys of at least HK$0.01 each; the HK$30 voucher needs HK$300 of eligible retail spending.
MediumAbout 5 minutes in the app at the fastest; investment-account approval can take up to 3 working days, plus the welcome tasksPayout Rate coupon and vouchers are issued when the account opens (valid 30 days); NVDA stock usually arrives 5–10 trading days after its task; redeemed voucher cash goes to the savings account
Verified 11 October 2026 · Ends 30 November 2026
Provider
Ping An Digital Bank (平安數字銀行)
Open a Ping An Digital Bank (平安數字銀行, formerly PAObank) savings account with invite code D42I6H between 1 and 30 November 2026 and you can place HK$100 to HK$80,000 in a 1-month HKD time deposit at 20% p.a., about HK$1,315 on HK$80,000 over 30 days. Deposit HK$20,000 by 30 November and you also get a HK$200 cash rebate. Only for people who have never held a PingAnDB account; places are limited. PingAnDB is a Hong Kong virtual bank. This is not financial advice.
Requirement: Enter invite code D42I6H when opening a savings account by 30 November 2026; 20% p.a. on a 1-month HKD time deposit of HK$100–HK$80,000; deposit HK$20,000 by 30 November for the HK$200 rebate
Easy10-15 minutes to open an account in the AppPayout The 20% interest is paid when the 1-month time deposit matures. PingAnDB's terms give no payout date for the HK$200 rebate, so keep the account active until it arrives
Verified 1 November 2026 · Ends 30 November 2026
Provider
iFAST Global Bank
Open an iFAST Global Bank account through this referral link and make a first deposit of at least £500 (or the equivalent) within 30 days of approval, and iFAST pays you £5 the next day. iFAST extended the offer on 30 September 2026, with no end date and no holding period.
Requirement: First deposit of at least £500 (or the equivalent) within 30 days of approval, per the latest published (Q3 2026) terms; the 30 September extension calls it a minimum first deposit and published no new terms
Easy10-15 minutesPayout The day after the qualifying £500 deposit; no holding period
Verified 22 October 2026