Airstar Bank takes you on a journey to a new realm of fintech.
We keep redefining the concept of "bank", bringing about stellar banking services to serve each of you.
Regardless of your wealth and status, be always with us.

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Stellar Banking Services for All Our Stars

Support Hong Kong residents and Visitors in Hong Kong to open accounts via mobile phone1

No minimum balance requirement & No fees charged2

high-interest deposit

24 x 7 transfer &
foreign exchange services

Account Opening Tips
  1. Visitors are required to be physically present in Hong Kong at the time of account opening application
  2. Except for late payment interest & early settlement fee for Personal Instalment Loan

Savings Deposit at Stellar Interest Rate

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

Mobile account opening as fast as 5 minutes 2
No Minimum Balance Requirement

HKD/USD/CNY accounts available

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  1. From 18 March 2022 (“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  "Hong Kong Dollar Savings Deposit Offer Terms and Conditions".
  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 accounts available
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  1. As a financial inclusion initiative, Airstar Bank commits to offer this arrangement for at least 3 years.

Personal Loan with Stellar Privileges – Faster Borrowing at Lower Cost

Stellar APR as low as 1.58% 1

24 x 7 from loan application to
disbursement as fast as
5 minutes 2

Total loan amount up to 12 times of monthly salary 3

No income proof and address
proof required by applying
big data analysis 2

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  1. 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. The APR ranges from 1.58% to 35.81% with repayment period of 6 to 60 months. The example below is for illustrative purpose only. For a loan amount of HKD800,000 with 12 months repayment period with the APR being 1.58%, the total loan repayment amount is HKD806,819.66 (handling fee waived). Please refer to "Airstar Personal Instalment Loan Terms and Conditions" for details. This example and the resulting calculations do not constitute a quote or offer from the Bank and is not binding on the Bank. Approval of the APR is subject to the final decision of the Bank.
    The offer is subject to limited quota. In case of any dispute, the Bank reserves the right of final decision. The Bank reserves the right to change details (including terms and conditions) under the "Personal Instalment Loan" or to suspend or terminate the "Personal Instalment Loan" at any time in its absolute discretion without prior notice.
  2. 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.
  3. Loan amount up to 12x of monthly salary or HKD1,000,000 (whichever is lower).
  4. The Bank reserves the right of final approval.
To borrow or not to borrow? Borrow only if you can repay!

Debt Consolidation Loan to Slash Monthly Repayment

Ease your burden by saving repayment amount per instalment up to HKD6,000 1

Advise the best settlement plan
by intelligent analysis

Save you unnecessary expenses
with total interest expenses saved
up to 91% 1

Total loan amount up to 21 times of monthly salary, you can also choose to cash out part of the loan amount up to 12 times of monthly salary 2

More details
  1. 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.
  2. 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.
  3. The Bank reserves the right of final approval.
To borrow or not to borrow? Borrow only if you can repay!

Stellar Real-time Foreign Exchange Service

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

Support 3 currencies:

Stellar FX rate saving more for you

Instant trading, immediate transfers

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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.

Instant Transfer Anytime, Anywhere

24 x 7 HKD & CNY Instant transfer

Transfer via mobile numbers,
email addresses or account numbers

Different currencies for your selection
(incl. HKD, USD and CNY)

Scan to pay

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