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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 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.
  3. As a financial inclusion initiative, Airstar Bank commits to offer this arrangement for at least 3 years.

Savings Deposit at Stellar Interest Rate

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

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Remarks:
  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
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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 Lower Cost

Stellar APR as low as 1.28% 1

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

60 days interest and repayment free 3

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

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Remarks:
  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. Approval of the APR is subject to the final decision of the Bank. The APR ranges from 1.28% to 35.81% with repayment period of 6 to 60 months. For a loan amount of HKD200,000 with 12 months repayment period, the APR is 1.28%, and the total loan repayment amount is HKD201,378.50 (handling fee waived). The above example is for reference only, please refer to terms and conditions for details.
  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. From now till 30 June 2022 (both dates inclusive), eligible customers (mean those (1) draw down a Personal Loan with a loan amount not exceeding HKD100,000 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 1 June 2022, first due date will be on 2 August 2022; Draw down on 30 June 2022, first due date will be on 1 September 2022. For more details, please refer to "60 days Interest and Repayment Free Promotion Terms and Conditions".
  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

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, cash out part of the loan amount up to 12 times of monthly salary 2

60 days interest and repayment free 3

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Remarks:
  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. From now till 30 June 2022 (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 1 June 2022, first due date will be on 2 August 2022; Draw down on 30 June 2022, first due date will be on 1 September 2022. For more details, please refer to "60 days Interest and Repayment Free Promotion Terms and Conditions".
  4. 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:
HKD/USD/CNY

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)

FPS QR Pay
Scan to pay

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