Airstar Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Airstar Bank is a Hong Kong digital bank for savers who want several currencies, with a monthly fee of HKD 0 on the easy-access account and a free minimum deposit. The trade-off is the rate: it is variable and the smallest thing going for the account, while access and reach do the work.
Key facts
Pros and cons
Pros
- Holds 11 currencies, above the 5 typical across multi-currency accounts.
- Operated by Ele Bank Limited in HK under the Hong Kong Monetary Authority, so the deposit sits in a supervised banking setup.
- Deposits and withdrawals at any time with daily interest, so savings keep earning while staying reachable.
Cons
- The headline rate of 0.1% is below the 3% for multi-currency accounts, and it is variable so the return can fall.
- Support runs on phone only, so help is by phone rather than in writing or in the app.
- The service is digital only, so there is no branch to visit for cash or face to face questions.
Ready to try Airstar Bank?
Scored 9.1 / 10 by VaultCue.
Who it suits
- Savers in Hong Kong who want easy access and daily interest without a term commitment.
- People holding several currencies who want them in a single account.
- Customers happy to do all their banking from the app and online banking.
Who should look elsewhere
- PayPal Colombia, whose monthly fee is $0, if paying through a wallet matters more than earning interest.
- Skrill, which charges a monthly fee of €0, if you want an online wallet rather than a bank deposit.
- eToro, with a monthly fee of £0, if a trading platform is the priority rather than a savings account.
Where it sits among rivals
On monthly fee Airstar Bank sits at position 1 of 500 brands, which places it in the cheapest band on that measure. Currency count tells the other story: the account ranks 99 of 379 brands, so most rivals offer a longer list of currencies.
Who runs it
Airstar Bank is operated by Ele Bank Limited, based in Hong Kong and regulated by the Hong Kong Monetary Authority, so deposits sit with a named Hong Kong company. Daily banking runs through the app and online banking rather than a counter, and customer support is handled on phone.
How Airstar Bank compares
9.1 vs 8.7
9.1 vs 8.6
9.1 vs 8.0
9.1 vs 8.9Its monthly fee is £0, worth considering for a trading platform rather than a savings home.
9.1 vs 9.1
9.1 vs 9.2
9.1 vs 8.7
9.1 vs 8.7
9.1 vs 8.7
9.1 vs 9.0Its monthly fee is €0, an equal cost option for anyone weighing an online wallet.
9.1 vs 8.7
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.9
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.2
9.1 vs 8.1- 9.1 vs 8.1
9.1 vs 8.0
9.1 vs 8.0
9.1 vs 8.0
9.1 vs 9.1
Where Airstar Bank is available
- Available
- Hong Kong
- Licence in Hong Kong
- Hong Kong Monetary Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep an Airstar Bank account open?+
The monthly fee is HKD 0 and the account model is no monthly fee, so holding the balance carries no recurring charge. For anyone comparing everyday accounts, that removes an early filter most people apply.
Is there a minimum deposit to open the account?+
The minimum deposit is HKD 0, so the savings account can be opened and funded at whatever level suits you. Deposits and withdrawals are allowed at any time, with daily interest credited along the way.
What interest rate do I get on savings?+
The headline rate is 0.1% and it is variable, so the return follows the base rate rather than being fixed to a term. The monthly fee being free offsets a small part of that gap.
How do I deposit and withdraw money?+
The savings terms let you deposit and withdraw at any time, with daily interest and a round the clock app and online banking to do it through. The account kind is easy access, which suits money you may need at short notice.
How many currencies can the account hold?+
It holds 11 currencies, which is above the 5 across the multi currency group here. That is useful if you earn in a single currency and spend in another without wanting separate providers.
Do I need a branch, or is the app enough?+
The service is digital only, so the app and online banking do the work and there is no counter to visit. It suits people who bank from a phone and do not need to handle cash in person.
How do I reach customer support?+
Support runs on phone, so a call is the route to a person. With no branch to visit, it is worth keeping the app and your account details nearby before you get in touch.
Who runs Airstar Bank and where is it based?+
The account is operated by Ele Bank Limited, based in Hong Kong and regulated by the Hong Kong Monetary Authority, which supervises banks in Hong Kong. Deposits sit with a named local company, and the account terms set out the protection that applies.
Sources
- airstarbank.com/en-hk/about-us.html checked September 26, 2026
Backs: Legal entity
“Ele Bank Limited is a member of the Deposit Protection Scheme.”
- airstarbank.com/en-hk/deposit.html checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit
“Flexible to deposit and withdraw with daily interest”
- airstarbank.com/en-hk/hkprime.html checked September 26, 2026
Backs: Headline rate, Rate type
“Savings Deposit Rates(HKD) ... The interest base rate for HKD & USD is 0.1% p.a.”
- elebank.com/en-hk checked September 26, 2026
Backs: Currencies, Features, Headquarters, Pricing model, Monthly fee, Support channels, Licences
“Support 11 currencies:HKD/USD/CNY, etc - Forex”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Related by the facts
Airstar Bank
Savers in Hong Kong who want a multi-currency, easy-access account with no monthly fee.