livi Business 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 livi Business.
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
Policy by industry
| Industry | livi Business | 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
livi Business
Ultimate beneficiary owner, director, or ultimate controller of the company should hold a HKID or a Mainland Resident Identity Card
ZA Bank
No published rule
Rules about countries
ZA Bank
No published rule
Fees
livi Business
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| livi Business Account | HKD 1,200 account opening fee, including HKD 300 for the company search | Not stated | · 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
livi Business
We may at any time, by notice to you and without giving any reason, close your business account or terminate a service. The notice may, if necessary, take effect immediately.
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 | livi Business | ZA Bank |
|---|---|---|
| Licensee | Livi 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 · |