Livi Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Livi Bank suits Hong Kong businesses that want a digital-only account with no monthly fee and a short currency list. Its easy-access balance pays 1% on a variable rate, which is modest next to the field, so the appeal is free running costs rather than the return on savings.
Key facts
- Best for
- A Hong Kong business wanting a free digital-only current account that still pays a variable rate on the balance.
- Monthly fee
- HK$0↗
- Currencies
- 3↗
- Transfer fee
- Free↗
- Legal entity
- Livi Bank Limited↗
- Headquarters
- Hong Kong↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Business
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- livibank.com
Savings
Money transfer
- Delivery time
- Instant for FPS HKD/CNY 24/7; RTGS USD same business day if instructed 08:30-15:00 weekdays↗
- Payout methods
- Bank↗
- Fee to send 1,000
- HK$0↗
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInfacebook.cominstagram.com
Pros and cons
Pros
- The everyday account carries a monthly fee of HKD 0.
- Transfers to a bank account cost free.
- Support runs on email, chat and phone, so a phone line and live chat are there when you need them.
- An easy access balance: you can move money in and out whenever you like, and interest is credited each month.
Cons
- The service is digital only, so everything runs through the app rather than a counter.
- Only 3 currencies, a short list next to wider multi-currency accounts.
- A variable rate of 1% is a modest return for money left on deposit.
Who it suits
- Businesses in HK looking for a free account that still pays interest on the balance.
- Savers who want easy access, since the account is easy access and money moves at any time.
- People happy to manage everything in an app, because the service is digital only.
Who should look elsewhere
- PayPal Colombia, if a wallet fits you better: it also charges a monthly fee of $0.
- Plazo ES, if you are comparing euro-area options, where the monthly fee is €0.
- Skrill, whose monthly fee is €0, if you want to look across the fee-free options.
How it compares on our data
On monthly fee, Livi Bank holds position 1 of 500, so its running costs match what most of the field charges. On currencies it sits at position 227 of 379, which is the weaker side of the offer. The trade is plain: a fee-free running cost at the front of the ranking, a short currency list near the back.
Rates and card terms
Interest is calculated on a variable basis, with a headline rate of 1%. Because a variable rate follows the market instead of locking in a fixed return, the headline figure is a starting point rather than a promise. Check where the rate stands before you park a large balance here, and expect it to move over the year rather than hold.
How Livi Bank compares
9.2 vs 8.7
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9.2 vs 8.0
9.2 vs 8.9
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0Its monthly fee is €0, so it belongs in the same shortlist for readers who want no recurring account cost.
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
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9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
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9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where Livi Bank is available
- Available
- Hong Kong
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does Livi Bank charge a monthly fee?+
No. The account carries a monthly fee of HKD 0, so keeping it open costs nothing each month. That suits a small firm that wants its day to day balance in one place without a fee line eating into the interest it earns.
What interest do I earn on the balance?+
The account pays 1% on a variable basis. Interest is worked out monthly and credited at the start of the following month, and you can save or move money at any time. Because the rate is variable, it can shift with the market, so treat the headline figure as a starting point.
Is the account digital only?+
Yes. The service is digital only, so you open, use and manage everything in the app rather than at a counter. That suits anyone comfortable with mobile banking. If you prefer a branch or face to face opening, plan on doing the whole thing remotely.
How much does it cost to send money, and how fast?+
Transfers cost free and the money goes out to a bank account. Payments in local currency over FPS land instantly, while payments in US dollars over RTGS arrive the same business day when you instruct them within weekday banking hours. That speed suits paying suppliers on short deadlines.
How many currencies can I hold?+
The account supports 3 currencies, which is a short list for a business that deals across borders. If your invoices or supplier payments run to currencies beyond those held here, a wider multi-currency account may serve the same purpose better and keep the conversion in one place.
Who is Livi Bank built for?+
It is aimed at the business audience and is based in Hong Kong under Livi Bank Limited. The easy-access design suits a company that keeps operating money in one place and still wants that money to earn something while it sits there.
Can I reach a person if something goes wrong?+
Yes. Support runs on email, chat and phone, so you can pick email, chat, phone or the help centre depending on the issue. A phone call is the quickest route for anything urgent, and the help centre covers the everyday account questions.
Sources
- livibank.com checked September 26, 2026
Backs: Legal entity, Transfer fee
“(c) Livi Bank Limited. All Rights Reserved.”
- livibank.com/features/livisave.html checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“Full Flexibility: Save and transfer money at any time.”
- livibank.com/features/transfer.html checked September 26, 2026
Backs: Payout methods, Fee to send 1,000
“Real Time Gross Settlement (RTGS) for local banks: Transfer money from other local banks: HKD, USD and CNY; Transfer money to other local banks: USD”
- livibank.com/help/faqs.html checked September 26, 2026
Backs: Audience, Currencies, Delivery time, Features, Headquarters, Pricing model, Monthly fee, Support channels
“You can apply for livi Business if: Your company is registered in Hong Kong”
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
Guides
Livi Bank
A Hong Kong business wanting a free digital-only current account that still pays a variable rate on the balance.