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

2.50% 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.
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Tenor And Annual Interest Rate (HKD)

Deposit Amount (HKD) 500 - 49,999.99 50,000+
7 Days 0.25% 0.25%
1 Month 2.50% 2.50%
2 Months 2.50% 3.00%
3 Months 3.40% 3.50%
4 Months 3.30% 3.40%
6 Months 3.20% 3.30%
9 Months 2.50% 3.00%
12 Months 2.20% 2.50%
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Deposit Amount (HKD) 500 - 49,999.99 50,000+
7 Days 0.25% 0.25%
1 Month 2.50% 2.50%
2 Months 2.50% 3.00%
3 Months 3.40% 3.50%
4 Months 3.30% 3.40%
6 Months 3.20% 3.30%
9 Months 2.50% 3.00%
12 Months 2.20% 2.50%
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 11 December 2024 23:18

Questions and Answers

Deposit Protection Scheme (DPS) protects depositors by paying compensation to them in the event of a bank failure. In Hong Kong, the DPS is established under the Deposit Protection Scheme Ordinance. In case a member bank of DPS (a Scheme member) fails, the Hong Kong Deposit Protection Board will pay compensation up to a maximum of HKD800,000 to each depositor for their eligible deposit of the failed Scheme member. Please refer to the DPS Information Leaflet for details.

With effect from 1 October 2024, the maximum deposit protection limit per depositor, including both principal and interest, will increase from HKD500,000 to HKD800,000.

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