a0
a0bank
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Fiat and digital currency accounts
Debit Card
Spend anywhere in the world
Deposits & Savings
Earn 6.25% p.a. on your deposits
Instant Loans
Borrow against your savings
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a0
a0bank

Banking without borders. Save, spend, and borrow β€” anywhere in the world.

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πŸ‡¬πŸ‡§ FCAπŸ‡ͺπŸ‡Ί MiFID IIπŸ‡¦πŸ‡Ί ASICπŸ‡¦πŸ‡ͺ DFSAπŸ‡ΈπŸ‡¬ MASπŸ‡¨πŸ‡Ύ CySECπŸ‡ΈπŸ‡¨ FSA

a0bank is a trading name of A0 Financial Technologies Ltd. Authorised and regulated across multiple jurisdictions. Cryptocurrencies are high-risk assets and their value can go up or down. Your capital is at risk. Crypto assets are not covered by the Financial Services Compensation Scheme (FSCS) or equivalent protection schemes in all jurisdictions. Please read our Terms of Service and Privacy Policy before using our services.

Β© 2026 a0bank. All rights reserved.

πŸ‡­πŸ‡° Hong Kong

Crypto Banking for Hong Kong Residents

a0bank serves Hong Kong residents with regulated multi-currency banking, 6.25% APR on crypto savings, and a global Visa debit card β€” all managed online.

Open Free Account
Fiat currencies
7
Crypto assets
10
Savings APR
6.25%
Regulatory licences
7
What you get

Banking built for Hong Kong residents

A regulated global bank account with HKD support, international SWIFT access, and 6.25% APR on crypto savings.

International regulatory licences

a0bank holds licences in seven jurisdictions including MAS (Singapore) and FCA (UK) β€” accessible to Hong Kong residents with full regulatory oversight.

USD accounts for HK financials

Hong Kong operates with USD as a key currency. a0bank's USD account supports HK-based financial activity with international connectivity.

No capital gains tax alignment

Hong Kong has no capital gains tax. Crypto held as an investment is not generally subject to tax for individuals β€” making crypto savings particularly tax-efficient.

Open entirely online

Open your a0bank account online in about 5 minutes. No branch visit, no HKID requirement beyond standard KYC.

Full service banking

Everything in one account

Hong Kong residents get access to the full a0bank platform β€” savings, lending, spending, and multi-currency accounts.

Crypto savings at 6.25% APR

Earn yield on BTC, ETH, USDT, and 7 other assets. No lock-up, no minimum balance.

Visa debit card

Spend from your crypto or fiat balance at 40+ million merchants worldwide and in Hong Kong.

Multi-currency accounts

Hold USD, EUR, GBP, CHF, AED, SGD, AUD, and 10 crypto assets in one account.

Instant crypto loans

Borrow cash against your crypto savings without selling. No credit check.

FAQ

Hong Kong banking questions

Also serving

πŸ‡ΈπŸ‡¬ SingaporeπŸ‡¦πŸ‡Ί AustraliaπŸ‡―πŸ‡΅ Japan
Open for new customers worldwide

Start banking without boundaries

Join 500,000+ customers. Open your account in 5 minutes β€” no paperwork, no branch visit.

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