livi Bank 4+

livi Business
Whether you are starting a new business or setting up an additional business account, livi Business is here to help. livi is the first bank to offer 100% digital account opening service - there's no branch visit and no documents required^. Our 1-day speedy account approval will get your business ready in no time! Grab the chance and stay ahead of others!

Enjoy flexible instalments with livi PayLater
Spend & Cash out your way
One-time application and approval - Spend and Cash out with one revolving credit line.
Spending instalment: Instantly split your purchases that meet the minimum instalment amount^^ with livi PayLater.
Cash Instalment: Get Instant Cash within your credit limit directly credited to your liviSave, in just one tap in-app - no proof required^. Enjoy multiple drawdowns within your limit anytime. Plus, no reapproval required!
Choose between 3 to 60 months flexible repayment period upon spending or cash out, and enjoy worry-free auto repayment in-app.

Flexible loan, let’s GO!
Enjoy livi Flexi Loan “Personal Loan” of up to HKD1,000,000. The range of APR is from 1.87% to 35%. For example, a loan of HKD100,000 would have a monthly flat rate of 0.40%. If you choose a 36-month repayment period, the monthly repayment amount is HKD3,177.78. The total repayment amount is HKD114,400. The example is for reference only.
Get trapped in a spiral of credit card bills? livi Flexi Loan "Balance Transfer" helps you pay off all your outstanding bills while saving interest, along with revolving stand-by cash.

Scan to Pay Easily
Use QR Payment at 50,000+ Hong Kong merchants and offline stores in 40+ countries and regions that accept UnionPay QR code payments. Your transactions will be settled in HKD and you don’t have to exchange foreign currencies beforehand!

Earn daily interest at your comfort
Get competitive savings interest rate with no minimum deposit requirements.

Instant transfer with just a few taps
Transferring money is fast, easy and safe with FPS. Track your transactions anytime in app!

Serving You 24/7
liviCare is online all year round, so you can reach us through live chat and the phone whenever you need.


^^Minimum amount to set instalment is HKD100.

^Depending on the actual circumstances of individual applications, we may require you to provide additional documents for approval.

Terms and conditions apply.
livi PayLater is a credit product.
To borrow or not to borrow? Borrow only if you can repay!
For interest, fees and charges, please refer to Key Facts Statement and Conditions for Services available at our website and our app for details of livi PayLater and livi Flexi Loan “Personal Loan”.

“The App, any related materials and other products and services provided through the App are not intended for download, use or access by any person in any jurisdiction where such download or use would be contrary to any applicable law or regulation of that jurisdiction or where we're not licensed or authorized to provide the App or any related materials, or in any jurisdiction that is subject to any sanction regime."