Overview
livi bank, at a glance.
livi bank is a bank headquartered in Hong Kong, regulated by Hong Kong Monetary Authority, Insurance Authority. Business accounts cost HKD 0 a month. Opening an account takes 3–5 days. Accepted at HKD 3,000 more when owners or directors do not hold a Hong Kong ID; every account user needs a Hong Kong or Mainland China ID and the account is opened in Hong Kong.
Livi Bank Limited is a licensed bank in Hong Kong. Eligible deposits are protected up to HKD 800,000 per depositor by the Hong Kong Deposit Protection Scheme.
Why businesses pick livi bank
- No monthly account fee
- Result usually within one working day after applying
- Accounts in Hong Kong dollars, renminbi and US dollars
- Free incoming transfers from other Hong Kong banks
- Deposits protected up to HKD 800,000
Watch out for
- Opening costs HKD 1,200, and HKD 3,000 more for special company types such as owners without a Hong Kong ID
- Account users need a Hong Kong or Mainland China ID and must open the account in Hong Kong
- Only single-layer structures registered in Hong Kong; foreign holding companies are a common reason for rejection
- No cross-border transfers
- FPS transfers cost HKD 3 each and RTGS HKD 25; no business card
Business fit
Will livi bank accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on livi bank's published rules
Likely no
livi bank does not list United Kingdom among the countries where it accepts companies.
livi bank does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What livi bank publishes about the businesses it takes on.
Who livi bank serves
- Startups and SMEs
- E-commerce
- Professional services
- Freelancers
Not supported
Industries and countries livi bank does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use livi bank?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
HKD, CNY and USD
- USD
- CNY
- HKD
Payment reach
Not published
Who can apply
Company incorporation countries1 countries · show list
- Hong Kong SAR China
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Single-layer sole proprietorships, Single-layer partnerships, Single-layer limited companies
Pricing
What does livi bank cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
HKD 1,200
Monthly fee
Free
livi Business
HKD 0 per month
HKD 1,200 setup · HKD 1,200 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Outgoing | ||
| SWIFT / international | Not offered | Not available |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is livi a bank?
Yes. Livi Bank Limited is a licensed bank in Hong Kong, authorised by the Hong Kong Monetary Authority as a virtual bank. Eligible deposits are protected up to HKD 800,000.
How much does livi Business cost?
Opening costs HKD 1,200, including the company search, and HKD 3,000 more for special company types. There is no monthly fee. FPS transfers cost HKD 3 and RTGS transfers HKD 25.
Who can open livi Business?
Single-layer sole proprietorships, partnerships and limited companies registered in Hong Kong. Account users need a Hong Kong ID or a Mainland China ID, and the account is opened in Hong Kong.
Can I send money abroad with livi Business?
No. livi Business does not offer cross-border transfers.
Alternatives
How livi bank compares.
If livi bank is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 livi bankThis pageBank |  | Virtual bankDeposit protection |
 ZA BankBank | | Virtual bank11 currencies |
 Ele BankBank | | No monthly feeDeposit protection |
 Ping An Digital BankBank | | No monthly feeNon-residents accepted |
 StatrysMoney service operator |  | Hong Kong accountFree account |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.