Step 1
Download livi app, switch to livi Business and tap Open Account
livi Business Getting you there!
livi Business offers seamless, flexible and effortless digital banking services that can fulfil your demands in time.
We empower your business growth by making banking fast and easy with just one app. You can achieve your visionary goals by focusing on growth, not finances.
livi Business Account Instant Account Opening
1-day activation^*. Get started anytime.
Approval in 24 hours
Quick approval process; account ready in just a day^*
100% online account opening
Apply anytime anywhere with livi app, no documents needed
HK companies established by HK residents or Mainland ID holders
Ultimate beneficiary owner, director, or ultimate controller of the company should hold a HKID or a Mainland Resident Identity Card#
No restriction on operating history
Newly established companies are welcome
livi Business Time Deposit
Up to 1.5% p.a. interest rate for HKD deposit
Deposit Amount (HKD) |
HKD500 - 9,999.99 |
HKD 10,000 or above |
|---|---|---|
Tenor |
Interest rate (p.a.) |
|
7-day |
0.10% |
|
1-month |
0.10% |
0.20% |
2-month |
0.10% |
0.20% |
3-month |
0.50% |
1.20% |
4-month |
0.50% |
1.20% |
6-month |
0.80% |
1.50% |
The annual interest rate is calculated based on the following (including leap years):
• HKD – 365 days
• CNY – 360 days
• USD – 360 days
The above Time Deposit interest rate has been effective since 15 May 2025 and are for reference only. The actual Time Deposit interest rates (p.a.) will be subject to the rates quoted in livi app by the Bank from time to time.
Terms and Conditions Apply.
• HKD – 365 days
• CNY – 360 days
• USD – 360 days
The above Time Deposit interest rate has been effective since 15 May 2025 and are for reference only. The actual Time Deposit interest rates (p.a.) will be subject to the rates quoted in livi app by the Bank from time to time.
Terms and Conditions Apply.
Grow your savings effortlessly
Account Balance |
Savings Annual Interest Rate |
|---|---|
First 500,000 HKD or below |
0.45% p.a. |
Remaining |
0.65% p.a. |
Support Instant HKD and CNY transfers via FPS and USD transfers via RTGS
The annual interest rate is calculated based on the following (including leap years): • HKD – 365 days • CNY – 360 days • USD – 360 days The above savings interest rate has been effective since 21 Dec 2024. The information shown is for indication only. The annual interest rates change with the prevailing market conditions. You can always check the latest annual interest rate in the livi app.
Risk Disclosure: RMB is currently not fully freely convertible. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversation to that foreign currency and RMB, you may suffer loss in principal. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
Account Balance |
Savings Annual Interest Rate |
|---|---|
All deposits |
0.10% p.a. |
Support Instant HKD and CNY transfers via FPS and USD transfers via RTGS
The annual interest rate is calculated based on the following (including leap years): • HKD – 365 days • CNY – 360 days • USD – 360 days The above savings interest rate has been effective since 21 Dec 2024. The information shown is for indication only. The annual interest rates change with the prevailing market conditions. You can always check the latest annual interest rate in the livi app.
Risk Disclosure: RMB is currently not fully freely convertible. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversation to that foreign currency and RMB, you may suffer loss in principal. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
Account Balance |
Savings Annual Interest Rate |
|---|---|
All deposits |
1% p.a. |
Support Instant HKD and CNY transfers via FPS and USD transfers via RTGS
The annual interest rate is calculated based on the following (including leap years): • HKD – 365 days • CNY – 360 days • USD – 360 days The above savings interest rate has been effective since 1 Mar 2025. The information shown is for indication only. The annual interest rates change with the prevailing market conditions. You can always check the latest annual interest rate in the livi app.
Risk Disclosure: RMB is currently not fully freely convertible. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversation to that foreign currency and RMB, you may suffer loss in principal. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
How It works
Step 1
Download livi app, switch to livi Business and tap Open Account
Step 2
Get your liviSave ready to proceed with livi Business application.
Step 2
Get your liviSave ready to proceed with livi Business application.
Step 3
Fill in the application information
Step 3
Fill in the application information
Step 4
We will review your application and notify you once the account is ready for activation.
Step 4
We will review your application and notify you once the account is ready for activation.
Step 5
If your company is a Special Type of Company, you will need to pay the additional fee upon a successful company search. Otherwise, your account is now ready!
Step 5
If your company is a Special Type of Company, you will need to pay the additional fee upon a successful company search. Otherwise, your account is now ready!
Step 6
Switch to manage both Personal and Business accounts seamlessly
Step 6
Switch to manage both Personal and Business accounts seamlessly
Step 1
Download livi App and apply for liviSave
Step 1
Download livi App and apply for liviSave
Step 2
Company member will receive invitation notification
Step 2
Company member will receive invitation notification
Step 3
Agree to T&C and review relevant information
Step 3
Agree to T&C and review relevant information
Step 4
Invitee onboarding completed
Step 4
Invitee onboarding completed
Download livi app, switch to livi Business and tap Open Account
Get your liviSave ready to proceed with livi Business application.
Fill in the application information
We will review your application and notify you once the account is ready for activation.
If your company is a Special Type of Company, you will need to pay the additional fee upon a successful company search. Otherwise, your account is now ready!
Switch to manage both Personal and Business accounts seamlessly
How can livi Business help you stay ahead of other businesses?
Online Business Easy Start
Can't wait any longer to open a business account when speed matters for online business? Unbearable having to submit documents and meet up with relationship manager at branch? it can take at least 2 weeks to complete the application! No worries, you can complete the applcation at ease on livi app with approval as quick as 1 day. livi Business helps you start your business right away!
Online business Easy Start
Can't wait any longer to open a business account when speed matters for online business? Unbearable having to submit documents and meet up with relationship manager at branch? it can take at least 2 weeks to complete the application! No worries, you can complete the applcation at ease on livi app with approval as quick as 1 day. livi Business helps you start your business right away!
Speedy Backup
Business operations can be challenging at times, a backup account definitely provides you with more flexibility when emergency emerges. No worries, your business account application with livi can be approved as quick as 24 hours, apply anytime anywhere at the livi app. livi Business enables you with an hassel-free business operation!
Speedy Backup
Business operations can be challenging at times, a backup account definitely provides you with more flexibility when emergency emerges. No worries, your business account application with livi can be approved as quick as 24 hours, apply anytime anywhere at the livi app. livi Business enables you with an hassel-free business operation!
Goes Well With Your Government Funding Application
A new business account is generally required when you apply for government funding. However, it may take up to 3 months to get the funding result if you are opening a new accout at traditional bank. No worries, livi Business can save you from waiting by approving your application as quick as 24 hours. livi Business helps you speed up your business!
Goes Well With Your Government Funding Application
A new business account is generally required when you apply for government funding. However, it may take up to 3 months to get the funding result if you are opening a new accout at traditional bank. No worries, livi Business can save you from waiting by approving your application as quick as 24 hours. livi Business helps you speed up your business!
Can't wait any longer to open a business account when speed matters for online business? Unbearable having to submit documents and meet up with relationship manager at branch? it can take at least 2 weeks to complete the application! No worries, you can complete the applcation at ease on livi app with approval as quick as 1 day. livi Business helps you start your business right away!
Business operations can be challenging at times, a backup account definitely provides you with more flexibility when emergency emerges. No worries, your business account application with livi can be approved as quick as 24 hours, apply anytime anywhere at the livi app. livi Business enables you with an hassel-free business operation!
A new business account is generally required when you apply for government funding. However, it may take up to 3 months to get the funding result if you are opening a new accout at traditional bank. No worries, livi Business can save you from waiting by approving your application as quick as 24 hours. livi Business helps you speed up your business!
More business services are coming soon
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Related Product
livi Business Instalment Loan offers speedy approval in just 1 day^ and flexible instalments, so you can focus on growing your business and seize opportunities as they arise!
Your trusted online business partner
livi bank is backed by BOC Hong Kong (Holdings), JD Technology and the Jardine Matheson Group, which together bring to livi an unparalleled range of benefits in terms of financial strength, technological expertise and marketing excellence.
Questions and Answers
You can apply for livi Business if:
• Your company is registered in Hong Kong
• All account users hold a HKID or a mainland resident identity card and a liviSave account
• Your business is a single-layered sole proprietorship, partnership, or limited company
• You’re the ultimate beneficiary owner, director, or ultimate controller of the company
Your account details are all available on livi App, there are 4 main sections:
1. Overview > your account details at-a-glance2. Workstation > a record of account instructions
3. Transactions > a record of all your money in/out
4. Settings > allows you to view and amend your company and/or members details
The daily interest is calculated based on your end-of-day balance and current interest rate. The annual interest amount is calculated based on the following (including both common and leap years):
• HKD – 365 days
• CNY – 360 days
• USD – 360 days
You can check the interest earned every month on livi app.
Disclaimer
^The actual turnaround time may vary depending on the actual circumstances of individual applications.
*Depending on the actual circumstances of individual applications, we may require you to provide additional documents for approval.
#Visitors to Hong Kong holding Mainland Identity cards can only open accounts for limited companies registered in Hong Kong.
To borrow or not to borrow? Borrow only if you can repay!
Please refer to Key Facts Statement, relevant terms and conditions and remarks for livi Business instalment Loan at livi website or App.