Livi Bank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For households who want phone based banking without paperwork, the trade off is managing everything through an app. Livi Bank is a new style bank built around everyday paying and saving for people who handle money on the move.
Key facts
- Best for
- People handling everyday paying and saving by app
- Legal entity
- Livi Bank Limited↗
- Headquarters
- Hong Kong↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Features
- Same-day funding, Credit line
- Official website
- livibank.com
Loans
- Loan amount
- HK$10,000 to HK$1,000,000↗
- Term
- 3 to 60 months↗
- Funding time
- Approvals and disbursements in as quickly as 2 minutes, 24-hour online service↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- livi Flexi Loan "Personal Loan" is available for application by invitation only↗
- Loan types
- Personal, Credit-line↗
- Use cases
- Home-improvement↗
Savings
Personal insurance
- Premium from
- HK$1,410↗
- Insurance types
- Home, Travel, Pet↗
- Provider type
- Broker↗
- Excess from
- HK$3,000↗
- Cover limit
- HKD 90,000 annual medical and surgical↗
- Claims channels
- Email, Phone, Post, In-person↗
- Age range
- 18 and above↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInTrustpilot
Pros and cons
Pros
- Online account opening without complicated documents
- QR payments accepted by merchants across Hong Kong
- Transfers to other people at any time through FPS
- Paying and saving combined in one app account
Cons
- Online only banking with no branch visits for help
- Everyday account range that stays close to basic needs
Who it suits
- App confident savers in Hong Kong
- Everyday spenders using QR payments
- Newcomers who want simple online banking
Who should look elsewhere
- People who want branch based service
- People who need banking outside Hong Kong
How Livi Bank compares
Where Livi Bank is available
- Available
- Hong Kong
- Licence in Hong Kong
- Hong Kong Monetary Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Livi Bank offer?+
Livi Bank provides everyday banking built around paying and saving in one place. It offers liviSave for adding funds and managing daily spending. You use the app to look after money whenever you need.
What is liviSave for?+
liviSave supports both paying and saving from the same account. It is designed for routine needs such as daily purchases and putting money aside. The focus stays on simple everyday money management.
Where can QR payments be used?+
QR payments work with merchants all across Hong Kong. You can pay in shops and other local outlets that accept this method. The coverage centres on daily spending inside Hong Kong.
Which company operates Livi Bank?+
Livi Bank is operated by Livi Bank Limited. (Source, checked September 26, 2026)
Where is Livi Bank based?+
Livi Bank is based in Hong Kong. (Source, checked September 26, 2026)
How can I contact Livi Bank support?+
Livi Bank offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- livibank.com checked September 26, 2026
Backs: Insurance types, Legal entity
“livi Flexi Loan "Balance Transfer" - Universal Voyage Travel Insurance Plan - Easy HomeCare - Pet Care”
- livibank.com/features/flexiloan.html checked September 26, 2026
Backs: Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Term, Use cases
“livi Flexi Loan "Personal Loan" is available for application by invitation only.”
- livibank.com/features/flexiloan/Flexi-Loan-Calculator checked September 26, 2026
Backs: Loan amount
“Loan amount must be in between HKD10,000 and HKD1,000,000”
- livibank.com/features/livisave.html checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Full Flexibility: Save and transfer money at any time.”
- livibank.com/en checked September 26, 2026
Backs: Headquarters, Support channels, Licences
“livi bank Hong Kong”
- livibank.com/features/Account-Opening.html checked September 26, 2026
Backs: Age range
“Aged 18 or above - A Hong Kong resident holding the new version of smart identity card”
- livibank.com/features/PetCareInsurance.html checked September 26, 2026
Backs: Claims channels, Cover limit, Provider type, Excess from, Premium from
“Please email to: claims.hk@bolttechinsurance.com, or send mail to: 9/F, FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong ... You can also submit to any bolttech Insurance Solutions Centre...”
Compiled from 7 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee, Rewards type.