Grow your savings without monthly fees

  • No minimum deposit balance requirement
  • 0.1% p.a. preferential saving interest rate
  • Under Deposit Protection Scheme (up to HK$500,000)
  • 7x24 online application via mobile APP

Savings Deposit Rate

Deposit Balance(HKD) Annual Interest Rate
First $500,000 0.10%
Above $500,000 0.01%

The annual interest rate is effective from 21 January 2022. (The annual interest rate is calculated on a daily basis over a 365-day year and will be determined by the Bank from time to time.)

Bank Transfer

Make transaction via FPS

  • Register FPS service using FPS ID / mobile number / email address
  • Make instant HKD transfers anytime and anywhere
  • FPS Local transactions without fee

Transfer to other PAObank accounts

  • Input payee’s name, account number to make transfer
  • Make instant HKD transfers anytime and anywhere
  • “Intra Bank Transfer” transactions without fee