Smart Savings

liviSave helps you put your money to work.

Make Your Money Work For You

Open liviSave and earn interest on your savings account.

Full Flexibility

Save and transfer money at any time.

No Minimum Deposit Requirements

No fees. No matter how much or little you put in.

Savings Interest Rate

Account Balance:
Annual Interest Rate

First 50,000 HKD or below

1.000% p.a.

Above 50,000 HKD to 500,000 HKD

0.400% p.a.

Remaining

0.125% p.a.

Account Balance:
Annual Interest Rate

First 1,000,000 CNY or below

1.00% p.a.

Remaining

0.25% p.a.

Account Balance:
Annual Interest Rate

All deposits

1.00% p.a.

Time Deposit

Time deposits available in HKD, CNY and USD. Start growing your wealth today^! Save and earn a stable interest easily.
^livi Conditions for Services apply. For details, please click here.
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.
This is Title

Tenor And Annual Interest Rate (HKD)

Deposit Amount (HKD) 500 - 99,999.99 100,000+
7 Days 0.25% 0.25%
1 Month 1.00% 1.00%
2 Months 2.80% 3.00%
3 Months 3.60% 3.80%
4 Months 3.20% 3.40%
6 Months 3.20% 3.40%
9 Months 3.20% 3.40%
12 Months 3.20% 3.40%
< >
Deposit Amount (HKD) 500 - 99,999.99 100,000+
7 Days 0.25% 0.25%
1 Month 1.00% 1.00%
2 Months 2.80% 3.00%
3 Months 3.60% 3.80%
4 Months 3.20% 3.40%
6 Months 3.20% 3.40%
9 Months 3.20% 3.40%
12 Months 3.20% 3.40%
The above Time Deposit interest rates 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.

Last Update 22 June 2024 16:54

Questions and Answers

Deposits of up to 500,000 HKD are protected, including both principal and interest.

The daily interest is calculated based on your end-of-day balance and current interest rate. The annual interest amount is calculated on the following year basis:
•    HKD – 365 days (for both ordinary and leap year) 
•    USD or CNY -360 days 
You can check the interest earned for the previous day and year-to-date on livi app.

 

Interest is calculated on a monthly basis and credited to your liviSave on the first calendar day of next month.