Fusion Bank vs ZA Bank: what each publishes
As of October 17, 2026, ZA Bank takes these industries by its own published rules: Crypto, with conditions. We hold no such rule from Fusion Bank.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Fusion Bank
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United States
- Developed Asia-Pacific
- United Arab Emirates
- Latin America
- Middle East & North Africa
- Africa
- CIS / Central Asia / Caucasus
- Jersey, Guernsey, Isle of Man, Gibraltar
- Other offshore centres
- Other
The regions its own documents name, read on October 9, 2026
Policy by industry
| Industry | Fusion Bank | ZA Bank |
|---|---|---|
| Crypto | No published rule | With conditions |
| iGaming | No published rule | No published rule |
| Adult | No published rule | No published rule |
| Unlicensed financial services | No published rule | No published rule |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Where owners must live
Fusion Bank
No published rule
ZA Bank
No published rule
Rules about countries
Fusion Bank
No published rule
ZA Bank
No published rule
Fees
Fusion Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Online opening (Business Account Opening Platform) | HKD 1,200 per application | None stated (no monthly account fee in the schedule) | · Source |
| Offline opening | HKD 2,000 per application; a Special Company pays an additional HKD 10,000 per application | None stated (no monthly account fee in the schedule) | · Source |
ZA Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business Banking | HKD 0 account opening fee | HKD 1,500 for 12 months, prepaid | · Source |
| Through a relationship manager | From HKD 11,000, charged if the account is opened | Not stated | · Source |
Closing an account
Fusion Bank
We may suspend or terminate all or any part of your account or the services without giving you any reason, by giving not less than thirty (30) calendar days’ prior notice, or upon your request, a longer period of notice where it is reasonable and practicable to do so.
ZA Bank
We may suspend or terminate all or any part of an Account or the Services, with or without giving you any reason, by giving not less than 30 days’ prior written notice
Licence
| Licensee | Fusion Bank | ZA Bank |
|---|---|---|
| Licensee | Fusion Bank Limited · licensed bank authorised by the HKMA | ZA Bank Ltd · virtual bank licensed by the HKMA (2019) · SFC Type 1 licence |
| Regulator | HKMA · | HKMA · |