HSBC Hong Kong 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 HSBC Hong Kong.
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
HSBC Hong Kong
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United Arab Emirates
- United States
- Developed Asia-Pacific
- CIS / Central Asia / Caucasus
- Latin America
- Middle East & North Africa
- Africa
- Jersey, Guernsey, Isle of Man, Gibraltar
- Other offshore centres
- Other
The regions its own documents name, read on October 16, 2026
Policy by industry
| Industry | HSBC Hong Kong | 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
HSBC Hong Kong
No published rule
ZA Bank
No published rule
Rules about countries
HSBC Hong Kong
No published rule
ZA Bank
No published rule
Fees
HSBC Hong Kong
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business Integrated Account, opening fee by channel (Hong Kong company) | HKD 1,300 online or in the HSBC HK Business Express app; HKD 1,600 on paper or through other channels | Not stated on this page (see the tariff line) | · Source |
| Business Integrated Account (Hong Kong company): HSBC Sprint Account, HSBC Business Direct or BusinessVantage | HKD 1,300 account application fee per application online or in the app | HSBC Sprint Account: waived for the first 12 months, then HKD 200 a month below HKD 50,000 average total relationship balance; HSBC Business Direct: HKD 200 below HKD 100,000; BusinessVantage: HKD 450 below HKD 100,000, HKD 200 from HKD 100,000 to below HKD 500,000 | · Source |
| Overseas company (registered outside Hong Kong) | HKD 11,000 per account ('Overseas Company Account Opening') | By account and balance, as for Hong Kong companies (tariff A2) | · 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
HSBC Hong Kong
13.1 Either Party can terminate any or all Relationship Documents and/or, in the case of the Bank, withdraw any or all of the Services or close any Account by giving 30 days' prior written notice to the other.
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 | HSBC Hong Kong | ZA Bank |
|---|---|---|
| Licensee | The Hongkong and Shanghai Banking Corporation Limited · licensed bank authorised by the HKMA | ZA Bank Ltd · virtual bank licensed by the HKMA (2019) · SFC Type 1 licence |
| Regulator | HKMA · | HKMA · |