Hong Kong Bank Account Welcome Offers
Welcome rewards and referral codes for opening Hong Kong bank accounts, including virtual banks — with the eligibility rules and steps to claim.
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Standard Chartered Hong Kong (渣打銀行)
Book a Standard Chartered Hong Kong Priority Private (優先私人理財) opening through this referral link, which attaches referral code A3872270. New clients who open at a branch between 1 October and 31 December 2026 and deposit at least HK$8 million of new funds in full at sign-up receive HK$27,000 (or 270,000 Asia Miles); Professional Investor status raises this to HK$38,888, or HK$58,888 with HK$15 million or more. The funds must stay until a set date in early 2027 and the tier for 12 months; cash is paid by 30 June 2027.
Requirement: At least HK$8,000,000 of new funds, deposited in full at Priority Private sign-up, with Total Balance kept at or above that amount until the hold date (31 January 2027 for October openings); HK$15,000,000 plus Professional Investor status for the top tier
HardOnline registration plus a branch appointment to open the account; the new funds then stay in place until 31 January to 31 March 2027, depending on the opening monthPayout Cash to an HKD deposit account on or before 30 June 2027; Asia Miles, if registered by 31 January 2027, 4–6 weeks after that date, per Standard Chartered's Priority Private welcome-offer terms
Verified 11 October 2026 · Ends 31 December 2026
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DBS Treasures (星展豐盛理財)
Use H0UQW68U if DBS Treasures already fits your plans. The bank advertises up to HK$53,800, but the referral route still needs new-customer status and an average HK$1,000,000 relationship balance; read the current terms before moving money.
Requirement: Maintain average personal relationship balance of at least HK$1,000,000 (or foreign-currency equivalent) during the applicable campaign counting period
Hard20–30 minutes to apply, plus the campaign's balance-counting periodPayout Welcome rewards are credited to your DBS current account in February, March or April 2027 for October, November or December joiners; the Securities Transfer-in Reward by 30 April 2027.
Verified 24 October 2026 · Ends 31 December 2026
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Standard Chartered Hong Kong (渣打銀行)
Already planning to move funds to SC? Compare Premium and Priority Banking before using A3872270. You get the bank’s normal new-client welcome (base cash HK$500–HK$22,000, extras on top); new-fund amounts, deadlines, holding dates and later account fees matter more than the headline cash.
Requirement: New funds of at least HK$100,000 (Premium Banking) or HK$1,000,000 (Priority Banking), deposited by the deadline (30 November 2026 for October sign-ups; 31 October 2026 for Priority's October extra) and kept until the holding date
Hard20-30 minutes to register and apply, plus new funds held until the bank's designated datePayout Cash (or CIO fund units) on or before 30 June 2027; Asia Miles 4-6 weeks after that. Miles or fund units not registered by 31 January 2027 are paid as cash, per Standard Chartered's welcome-offer terms
Verified 11 October 2026 · Ends 31 December 2026
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Fusion Bank (富融銀行)
The CASH82P invitation says three Fusion Bank fixed-deposit coupons can pay up to HK$7,306 plus US$1,000 interest. Check the app for principal caps, tenors, expiry and new-customer rules before placing a deposit.
Requirement: The supplied invitation does not state the qualifying deposit amount, eligible tenor, coupon expiry or whether new-customer exclusions apply; read the in-app terms before placing a fixed deposit
MediumAbout 5–10 minutes to download the app and apply; fixed-deposit maturity depends on the selected tenorPayout Interest is paid according to each fixed-deposit coupon's maturity and the live Fusion Bank terms; the supplied invitation does not state a single payout date
Verified 23 October 2026
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inMotion 動感銀行
Open inMotion 動感銀行 through this referral and code 1P6X4N7. The extra HKD savings rate is 0.5% p.a., then 1.25% p.a., and reaches 7.88% p.a. only in the January 2027 stage; new customers can also earn up to HK$3,000 cash. Anyone who registers the October MOTION Deposit and keeps HK$10,000 or more there until 31 October 2026, 6pm enters a draw for Sydney/Melbourne trips: 20 winners each get two Hong Kong Airlines economy return tickets.
Requirement: New customer with HK permanent ID; register MOTION Deposit and deposit HK$10,000+ new funds by 31 Oct 2026, 6 pm
MediumAbout 15 minutes to download and open the accountPayout Interest, cash rewards and any flight promotion follow current inMotion campaign terms
Verified 24 October 2026 · Ends 31 December 2026
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Standard Chartered Hong Kong (渣打銀行)
Existing Standard Chartered Hong Kong clients with Premium Banking or above can set up Bonus Saver in SC Mobile through this link (code A3872270) by 1 January 2027; the bank's welcome offer itself runs from 1 November 2026 to 30 January 2027. Qualifying deposits averaging HK$20,000 a month earn a 0.15 g gold coin plus HK$1,600 (HK$2,800 at HK$80,000 or more), but they must continue every month until the reward is paid by 30 June 2027.
Requirement: Qualifying deposits starting within 2 calendar months of opening and averaging at least HK$20,000 a month over the first 3 months (HK$80,000 for the HK$2,000 tier), then at least HK$20,000 every month until the reward is paid
Medium10 minutes to apply in SC Mobile, then qualifying deposits every month until the reward is paid (up to eight months, November 2026 to June 2027, for a November application)Payout Cash is credited to the HKD Bonus Saver on or before 30 June 2027. The gold coin is not posted directly: a redemption letter is sent by registered mail by 30 June 2027, and you must tell the bank if it has not arrived by 31 July 2027
Verified 1 November 2026 · Ends 1 January 2027
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ZA Bank (眾安銀行)
Opening with PJ3Y13 is only the start: ZA Bank's HK$2,000 bundle is ten vouchers, each needing its own qualifying trade, not cash. Join in Hong Kong by 18 November 2026, then use the 14-day window for two +19.9% p.a. 7-day deposit coupons and the conditional US$30 MU stock voucher. Check the holding periods before you move money.
Requirement: Every voucher has its own trade-and-hold rules; the HK$780 fund voucher needs HK$500,000 in and 39 straight days held. Within 14 days, one HK$1,000 deposit gets the first deposit coupon (new funds up to HK$20,000), and a day ending with HK$1,000+ in total plus deposits, funds and stocks all held gets the second (up to HK$50,000). Check your reward plan in the app.
Medium15-30 minutes to open an account online, plus any welcome tasksPayout Rewards within 30 working days of meeting each condition; stock-voucher cashback within 3 trading days of settlement. Claim deposit coupons and the MU voucher in ZA Quest within 7 days of qualifying.
Verified 31 October 2026 · Ends 18 November 2026
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EleBank (大象銀行)
Open an EleBank (大象銀行) account with invite code W2JRF5 by 30 November 2026 (valid HKID, no EleBank personal account in the 12 months before) and you can grab: an 18% p.a. coupon on a 1-month HKD time deposit (up to HK$50,000, roughly HK$744 over 30 days), US$20 of NVDA stock and HK$230 in task vouchers, all valid 30 days from issue. Doing the lot parks about HK$60,000 for a month, and stocks carry investment risk — this is not a buy signal.
Requirement: Code W2JRF5, account open by 30 November 2026. Rate coupon: no task, one 1-month HKD time deposit up to HK$50,000; NVDA stock: open an investment account + switch on US trading; HK$100 fund voucher: one ≥HK$10,000 fund buy plus ≥HK$10,000 30-day average total assets, counted from the day the voucher lands (time deposits don't count); HK$100 stock voucher: 3 buys (≥HK$0.01 each); HK$30 voucher: ≥HK$300 of eligible spending
MediumAbout 5 minutes in the app at the fastest; investment-account approval can take up to 3 working days, plus the welcome tasksPayout Rate coupon and vouchers are issued when the account opens (valid 30 days); NVDA stock usually arrives 5–10 trading days after its task; redeemed voucher cash goes to the savings account
Verified 11 October 2026 · Ends 30 November 2026
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Ping An Digital Bank (平安數字銀行)
20% p.a., and the catch is the calendar. Open a PingAnDB (平安數字銀行) savings account between 1 and 30 November with invite code D42I6H and you can park HK$100 to HK$80,000 in a 1-month HKD time deposit at 20% p.a. That rate runs for one month: about HK$1,315 on HK$80,000 over 30 days, not a year of 20%. Put HK$20,000 in your savings account by 30 November for another HK$200 cash. First-time customers only, limited places. Hong Kong virtual bank. Not financial advice.
Requirement: Enter invite code D42I6H when opening by 30 November; 20% p.a. on a 1-month HKD deposit of HK$100–HK$80,000; deposit HK$20,000 by 30 November for HK$200
Easy10-15 minutes to open an account in the AppPayout The 20% interest is paid when the 1-month time deposit matures. PingAnDB's terms give no payout date for the HK$200 rebate, so keep the account active until it arrives
Verified 1 November 2026 · Ends 30 November 2026
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iFAST Global Bank
iFAST extended Give Me £5 on 30 September 2026, with no end date. Open an account through this referral link, make a first deposit of at least £500 (or the equivalent in another currency) within 30 days of approval, and the £5 lands the next day, with no holding period. New customers only, no self-referrals, and the reward is lost if the account closes before it's paid. Put the £500 in as one deposit and wait for the £5 before moving money.
Requirement: First deposit of at least £500 (or the equivalent) within 30 days of approval, per the latest published (Q3 2026) terms; the 30 September extension calls it a minimum first deposit and published no new terms
Easy10-15 minutesPayout The day after the qualifying £500 deposit; no holding period
Verified 22 October 2026