Personalized Stellar APR2
Total loan amount up to 12 times of monthly salary3
From application to loan disbursement, complete in as fast as 5 minutes4
No minimum balance requirement
Enjoy HKD/USD/CNY high-interest deposit
Enjoy 6.88% p.a. during the promotion period7
Flexible deposit term, you can set your own maturity date
Earn more with interest booster
24 x 7 FX service, real-time quotes
Instant trading, immediate transfers
Support 3 currencies： HKD/USD/CNY
Free transfer in various currencies (HKD, USD and RMB)
Transfer via mobile numbers, email addresses or account numbers
24 x 7 Instant Transfer (HKD and RMB)
FPS
A Company of Xiaomi Group
Strategic Investment by Futu Group
Virtual bank licensed by Hong Kong Monetary Authority
Bank Code: 395
Empowered by big data, the entire process is mobile-operated
24 x 7 Mobile Banking Services
1.Visitors are required to be physically present in Hong Kong at the time of account opening application.
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. The APR ranges from 7.43% to 35.05% 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 7.43%, the total loan repayment amount is HKD831,497.86 (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.
3.Loan amount up to 12x of monthly salary or HKD1,000,000 (whichever is lower).
4.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.
5.From 11 August 2023 (“promotion period”), customers who successfully open a savings deposit account can enjoy 6.88% p.a. for the first HKD50,000 deposits amount. Customers can enjoy the interest rate protection for 30 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".
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.