Stellar Banking Services for Each and Everyone
As a pioneer of a virtual bank in Hong Kong, Airstar Bank promises 5-star banking services everyone deserves. Leveraging state-of-the-art technology and low operating costs, we break away from traditional banking to bring you speedy services and stellar privileges. At Airstar Bank, everyone is a superstar, because everyone deserves better banking services.

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Remarks:
  1. From 1 March 2021 (“promotion period”), customers who successfully open a savings deposit account can enjoy 3.6% p.a. for the first HKD20,000 deposits amount. Customers can enjoy the interest rate protection for 3 months (95 days) starting from the date of account opening. After the promotion period, the prevailing HKD savings rate shown on the Airstar Bank Mobile App will be applied. Please refer to the "Hong Kong Dollar Savings Deposit Offer Terms and Conditions" on Airstar Bank website for details.

Download Now:

Remarks:
  1. From 1 March 2021 (“promotion period”), customers who successfully open a savings deposit account can enjoy 3.6% p.a. for the first HKD20,000 deposits amount. Customers can enjoy the interest rate protection for 3 months (95 days) starting from the date of account opening. After the promotion period, the prevailing HKD savings rate shown on the Airstar Bank Mobile App will be applied. Please refer to the "Hong Kong Dollar Savings Deposit Offer Terms and Conditions" on Airstar Bank website for details.

Stellar Banking Services for All Our Stars

High-interest savings deposit with "Interest Rate Protection" 1

Mobile account opening

as fast as 5 minutes 2

No extra fee for early uplift of time deposit3

24 x 7 FPS Instant transfer

Remarks:
  1. From 1 March 2021 (“promotion period”), customers who successfully open a savings deposit account can enjoy 3.6% p.a. for the first HKD20,000 deposits amount. Customers can enjoy the interest rate protection for 3 months (95 days) starting from the date of account opening. After the promotion period, the prevailing HKD savings rate shown on the Airstar Bank Mobile App will be applied. Please refer to the "Hong Kong Dollar Savings Deposit Offer Terms and Conditions" on Airstar Bank website for details.
  2. This is the bank's fastest record for reference only. Actual time will differ depending on individual circumstances.
  3. As a financial inclusion initiative, Airstar Bank commits to offer this arrangement for at least 3 years.

Savings Account with Stellar Privileges

High-Interest Savings Deposit with "Interest Rate Protection" 1

Mobile account opening in 5 minutes 2
No Minimum Balance Requirement

HKD/USD/CNY accounts available

More details
Remarks:
  1. From 1 March 2021 (“promotion period”), customers who successfully open a savings deposit account can enjoy 3.6% p.a. for the first HKD20,000 deposits amount. Customers can enjoy the interest rate protection for 3 months (95 days) starting from the date of account opening. After the promotion period, the prevailing HKD savings rate shown on the Airstar Bank Mobile App will be applied. Please refer to the "Hong Kong Dollar Savings Deposit Offer Terms and Conditions" on Airstar Bank website for details.
  2. This is the bank's fastest record for reference only. Actual time will differ depending on individual circumstances.

Save at Ease with our Time Deposit

Enjoy a high rate even with an old fund
Choose your own maturity date
No extra fee for early uplift of time deposit 1
HKD/USD/CNY
More details
Remarks:
  1. As a financial inclusion initiative, Airstar commits to offer this arrangement for at least 3 years.

Personal Loan with Stellar Privileges - Faster Borrowing at a Bank Rate

60 days interest and repayment free 1

24 x 7 from loan application to
disbursement as fast as
5 minutes 3

No income proof and address
proof required by applying
big data analysis 3

Stellar APR as low as 1.85% 2
More details
Remarks:
  1. From 22 November 2020 to 31 July 2021 (both dates inclusive), eligible customers (mean those (1) who draw down a Personal Loan with a loan amount not exceeding HKD200,000 and (2) enrol for "60 Days Interest and Repayment Free Promotion" on "Final Approval Result" page) are not required to make repayment in the first 60 days after loan drawdown. If eligible customers early settle the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principle.
    Example: Draw down on 22 November 2020, first due date will be on 23 January 2021; Draw down on 31 January 2021, first due date will be on 1 April 2021. For more details, please refer to “60 days Interest and Repayment Free Promotion Terms and Conditions”.
  2. Annualized Percentage Rate (“APR”) is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. Approval of the APR is subject to the final decision of the Bank. The APR ranges from 1.85% to 28.14% with repayment period of 12 to 60 months. For a loan amount of HKD250,000 with 36 months repayment period, the APR is 1.85%, and the total loan repayment amount is HKD256,922.55 (handling fee waived). The above example is for reference only, please refer to terms and conditions for details.
  3. According to individual circumstances, the Bank reserves the right to request customers to provide additional supporting documents for approval. The approval time required is subject to real situation.
  4. The Bank reserves the right of final approval.
To borrow or not to borrow? Borrow only if you can repay!

Debt Consolidation Loan - Give You a Buffer in Managing Your Financial

60 days interest and repayment free 1

Ease your burden by saving repayment amount per instalment up to 66% 2

Save you unnecessary expenses with total interest expenses saved up to 91% 2

Total loan amount up to 21 times of monthly salary, cash out part of the loan amount up to 12 times of monthly salary 3

More details
Remarks:
  1. From 22 November 2020 to 31 July 2021 (both dates inclusive), eligible customers (mean those (1) draw down a Debt Consolidation Loan and (2) enrol for "60 Days Interest and Repayment Free Promotion" on "Final Approval Result" page) are not required to make repayment in the first 60 days after loan drawdown. If eligible customers early settle the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principle.
    Example: Draw down on 22 November 2020, first due date will be on 23 January 2021; Draw down on 31 January 2021, first due date will be on 1 April 2021. For more details, please refer to “60 days Interest and Repayment Free Promotion Terms and Conditions”.
  2. Interest saving example is based on an assumption that the total outstanding amount is credit card outstanding balance HKD200,000, with an annual interest rate of 30%, and monthly minimum repayment of 5% of the outstanding balance or HKD50 (whichever is higher). The annualized percentage rate (“APR”) is 34.49%. Monthly repayment amount is HKD8,952 and total interest expenses is HKD209,404. For Airstar Debt Consolidation Loan with assumption that annual interest rate 2.95% and repayment tenor of 72 instalments, APR is 2.99%. Repayment amount per instalment is HKD3,034 and total interest expenses is HKD18,467. The average repayment amount per instalment and total interest expenses of above examples are rounded to nearest dollar. The above examples are for reference only.
  3. Loan amount of Debt Consolidation Loan up to 21 times of monthly salary or HKD2,000,000 (whichever is lower), including the extra cash amount up to 12 times of monthly salary. The cash amount will be transferred to your account and its use is not restricted to the repayment of the outstanding balance of any credit card or personal loans.
  4. IAnnualized Percentage Rate (“APR”) is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. Approval of the APR is subject to the final decision of the Bank. The APR ranges from 2.99% to 35.81% with repayment period of 12 to 72 instalments. For a loan amount of HKD200,000 with 72 instalments repayment period, the APR is 2.99%, and the total loan repayment amount is HKD218,467.02 (handling fee waived). The above example is for reference only, please refer to terms and conditions for details.
  5. The Bank reserves the right of final approval.
To borrow or not to borrow? Borrow only if you can repay!

Stellar Foreign Exchange Service As Quick As Real Time

24 x 7 FX Service
Utilize fund right away with
real time quote and instant trading

Support 3 currencies:
HKD/USD/CNY

Stellar FX rate saving more for you

Enjoy HKD100 cash rebate1

Remarks:
  1. The promotion period starts from 29 April 2021 until 31 May 2021 (both dates inclusive) ("Promotion Period"). Eligible Customer conducting foreign currency exchange transaction(s) via the Bank's App and the minimum accumulated foreign exchange amount of HKD50,000 (or equivalent) or above within the Promotion Period, the Eligible Customer would be rewarded with a cash rebate of HKD100. Each Eligible Customer can only enjoy the Offer ONCE within the Promotion Period. For more details, please refer to “Foreign Currency Exchange Promotion Offer Terms and Conditions”.
Risk Disclosure:
Currency conversion risk – Foreign currency exchange is subject to exchange rate risk. Customers may incur losses due to currency fluctuations at the time of currency conversion.
CNY currency risk - CNY is currently not freely convertible and is subject to prevailing regulatory requirements. The actual conversion arrangement will depend on the applicable restrictions at the relevant time.

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