Hong Kong maintains a three-tier system of deposit-taking institutions, i.e. licensed banks, restricted licence banks and deposit-taking companies. They are collectively known as authorized institutions supervised by the Hong Kong Monetary Authority (HKMA).[1]
As one of the top five financial centres worldwide, Hong Kong has one of the highest concentrations of banking institutions in the world, with 70 of the largest 100 banks in the world having an operation in Hong Kong. As of 2019, there were 164 licensed banks, 17 restricted licence banks and 13 deposit-taking companies in business, constituting a total of 194 authorized institutions. In addition, there are 42 local representative offices of foreign banks in Hong Kong.[2]
Licensed banks
Only licensed banks may operate current and savings accounts, accept deposits of any size and maturity from the public, and pay or collect cheques drawn, or paid in, by customers.
Incorporated in Hong Kong
Virtual banks incorporated in Hong Kong
| Clearing Code | Bank Name | Chinese Name | Established | Began Operating Publicly | Owners | Notes |
| 395 | Airstar Bank Limited | 天星銀行有限公司 | 13 July 2018 | 11 June 2020 | Xiaomi (90%), AMTD Group (10%) | |
| 393 | Ant Bank (Hong Kong) Limited | 螞蟻銀行(香港)有限公司 | 16 August 2018 | 28 September 2020 | Ant Financial (100%) | |
| 391 | Fusion Bank Limited | 富融銀行有限公司 | 31 July 2018 | 21 December 2020 | Tencent, ICBC Asia, HKEx, Hillhouse Capital | |
| 388 | Livi Bank Limited | / | 18 March 2019 | 12 August 2020 | Bank of China (Hong Kong) (44%), JD Digits (36%), Jardine Matheson (20%) | |
| 389 | Mox Bank | / | 15 April 2019 | 22 September 2020 | Standard Chartered Hong Kong (65.1%), Hong Kong Telecom (15%), PCCW (10%), Trip.com Group (9.9%) | |
| 392 | Ping An OneConnect Bank (Hong Kong) Limited | 平安壹賬通銀行(香港)有限公司 | 7 December 2018 | 29 September 2020 | Ping An Insurance (100%) | |
| 390 | WeLab Bank Limited | 匯立銀行有限公司 | 21 August 2018 | 30 July 2020 | WeLab (100%) | |
| 387 | ZA Bank Limited | 眾安銀行有限公司 | 8 February 2019 | 24 March 2020 | ZhongAn Online (51%), Sinolink Worldwide (49%) | |
Incorporated outside Hong Kong
| Clearing Code | Bank Name | Chinese Name | Established | Country of Origin |
| 307 | ABN AMRO Bank N.V. | 荷蘭銀行 | |  Netherlands |
| 222 | Agricultural Bank of China | 中國農業銀行 | 1979 |  China |
| 256 | Allahabad Bank | | |  India |
| 152 | Australia and New Zealand Banking Group | 澳洲紐西蘭銀行集團 | | .svg.png) Australia |
| 261 | Axis Bank | | | India |
| 350 | Banca della Svizzera Italiana (BSI) | | |  Switzerland |
| 234 | Banca Monte dei Paschi di Siena | 意大利西雅那銀行香港分行 | |  Italy |
| 147 | Banco Bilbao Vizcaya Argentaria | 西班牙對外銀行 | |  Spain |
| 267 | Banco Santander | 桑坦德銀行 | | Spain |
| 049 | Bangkok Bank Public Co. Ltd. | 盤谷銀行 | |  Thailand |
| 278 | Bank J. Safra Sarasin | 瑞士嘉盛銀行 | | Switzerland |
| 055 | Bank of America | 美國銀行 | |  United States of America |
| 259 | Bank of Baroda | 巴魯達銀行 | | India |
| 012 | Bank of China | 中國銀行 | 1917 | China |
| 027 | Bank of Communications Hong Kong Branch | 交通銀行有限公司 | 1934 | China |
| 058 | Bank of India | 印度銀行 | | India |
| 066 | Bank Negara Indonesia | 印尼國家銀行 | |  Indonesia |
| 139 | Bank of New York Mellon, The | 紐約梅隆銀行有限公司 | | United States of America |
| 076 | Bank of Nova Scotia, The | 加拿大豐業銀行 | | .svg.png) Canada |
| Bank of the Philippine Islands | | |  Philippines |
| 201 | Bank of Taiwan | 臺灣銀行 | 1897 |  Taiwan |
| 047 | MUFG Bank | 三菱UFJ銀行 | |  Japan |
| 272 | Bank of Singapore | 新加坡銀行有限公司 | |  Singapore |
| 241 | Bank SinoPac | 永豐金融控股公司 | 1992 | Taiwan |
| 074 | Barclays | 巴克萊銀行 | 1690 |  United Kingdom |
| 067 | BDO Unibank | | | Philippines |
| 056 | BNP Paribas | 法國巴黎銀行香港 | |  France |
| 275 | BNP Paribas Securities Services | | | France |
| BNP Paribas Wealth Management | 法國巴黎財富管理銀行 | | France |
| 092 | Canadian Imperial Bank of Commerce | 加拿大帝國商業銀行 | | Canada |
| 262 | Canara Bank | | | India |
| 263 | Cathay Bank | 國泰銀行 | | United States of America |
| Cathay United Bank | 國泰世華銀行 | 1975 | Taiwan |
| 206 | Chang Hwa Commercial Bank | 彰化銀行 | 1905 | Taiwan |
| 170 | Chiba Bank, The | 千葉銀行 | | Japan |
| 009 | China Construction Bank | 中國建設銀行(亞洲)股份有限公司 | 1912 | China |
| 276 | China Development Bank | 國家開發銀行 | 1994 | China |
| 368 | China Everbright Bank | 中國光大控股有限公司 | 1992 | China |
| 238 | China Merchants Bank | 招商銀行股份有限公司 | 1987 | China |
| 353 | China Minsheng Banking Corporation | 中國民生銀行 | 1996 | China |
| 202 | Chugoku Bank, The | | | Japan |
| 374 | CIMB Bank | | |  Malaysia |
| 006 | Citibank | 花旗銀行 | 1902 | United States of America |
| 097 | Commerzbank | 德國商業銀行 | |  Germany |
| 153 | Commonwealth Bank of Australia | 澳洲聯邦銀行 | | Australia |
| 205 | Coutts & Co. | 顧資銀行 | |  England |
| Crédit Agricole | | | France |
| 005 | Crédit Agricole Corporate and Investment Bank | | 1894 | France |
| Crédit Industriel et Commercial | | | France |
| 233 | Credit Suisse | | | Switzerland |
| 229 | CTBC Bank | 中國信託商業銀行 | 1966 | Taiwan |
| 185 | DBS Bank | 星展銀行(香港)有限公司 | | Singapore |
| 054 | Deutsche Bank | 德意志銀行 | | Germany |
| 113 | DZ Bank | 德國中央合作銀行 | | Germany |
| 243 | E.SUN Commercial Bank | 玉山商業銀行 | 1992 | Taiwan |
| 258 | East West Bank | 華美銀行 | | United States of America |
| 346 | Edmond de Rothschild (Suisse) | | | Switzerland |
| 237 | EFG Bank | 瑞士盈豐銀行股份有限公司 | | Switzerland |
| 227 | Erste Group Bank | | |  Austria |
| Falcon Private Bank | | | Switzerland |
| 260 | Far Eastern International Bank | 遠東國際商業銀行 | 1992 | Taiwan |
| 203 | First Commercial Bank | 第一商業銀行 | 1899 | Taiwan |
| 188 | Hachijuni Bank, The | 八十二銀行 | | Japan |
| 112 | Hana Bank | 韓亞銀行 | |  South Korea |
| 308 | HDFC Bank | | | India |
| 248 | Hong Leong Bank | 豐隆銀行有限公司 | | Malaysia |
| 347 | HSBC Bank plc | | | United Kingdom |
| HSBC Bank International (Jersey) | | | United Kingdom |
| HSBC Bank USA | | | United States of America |
| 198 | Hua Nan Commercial Bank | 華南商業銀行 | 1919 | Taiwan |
| 164 | UniCredit Bank AG | | | Germany |
| 251 | ICICI Bank | | | India |
| 050 | Indian Overseas Bank | 印度海外銀行 | | India |
| 072 | Industrial and Commercial Bank of China | 中國工商銀行(亞洲)有限公司 | 1964 | China |
| 271 | Industrial Bank of Korea | | | South Korea |
| 274 | O-Bank(Industrial Bank of Taiwan) | O-Bank Co Ltd(原台灣工業銀行) | 1999 | Taiwan |
| 377 | Industrial Bank Co. | 興業銀行 | 1988 | China |
| 145 | ING Bank | | | Netherlands |
| 161 | Intesa Sanpaolo | 意 大 利 聯 合 聖 保 羅 銀 行 | | Italy |
| 224 | Iyo Bank, The | 伊予銀行 | | Japan |
| 007 | JPMorgan Chase Bank | 摩根大通銀行 | | United States of America |
| 320 | Bank Julius Baer & Co. | 瑞士寶盛私人銀行 | | Switzerland |
| 178 | KBC Bank | 比利時聯合銀行 | | .svg.png) Belgium |
| 046 | Korea Exchange Bank | 韓國外換銀行 | | South Korea |
| 264 | Land Bank of Taiwan | 臺灣土地銀行 | 1946 | Taiwan |
| 342 | LGT Bank (Liechtenstein) | | |  Liechtenstein |
| Lloyds Bank | | | United Kingdom |
| 344 | Macquarie Group Limited | 麥格理銀行 | | Australia |
| 242 | Mega International Commercial Bank | 兆豐國際商業銀行 | 2006 | Taiwan |
| 352 | Mashreq Bank | | |  United Arab Emirates |
| 063 | Maybank | 馬來亞銀行 | | Malaysia |
| 254 | Melli Bank | | | United Kingdom |
| Mirae Asset | | | South Korea |
| 138 | Mitsubishi UFJ Trust and Banking Corporation | 三菱UFJ信託銀行 | | Japan |
| 109 | Mizuho Bank | 瑞穗實業銀行 | | Japan |
| 150 | National Australia Bank | 澳洲銀行 | | Australia |
| 277 | National Bank of Abu Dhabi | | | United Arab Emirates |
| 060 | National Bank of Pakistan | 巴基斯坦國民銀行 | |  Pakistan |
| 210 | Natixis | 法國外貿銀行 | | France |
| Newedge Group | | | France |
| Nomura Holdings, Inc. | 野村控股 | | Japan |
| 022 | Oversea-Chinese Banking Corporation | 華僑銀行 | | Singapore |
| 357 | Pictet & Cie (Europe) | | | Switzerland |
| 119 | Philippine National Bank | | | Philippines |
| 266 | Punjab National Bank | | | India |
| Coöperatieve Centrale Raiffeisen-Boerenleenbank | 荷蘭合作銀行 | | Netherlands |
| 354 | Raiffeisen Bank International | | | Austria |
| 080 | Royal Bank of Canada | 加拿大皇家銀行 | | Canada |
| 008 | Royal Bank of Scotland, The | 蘇格蘭皇家銀行有限公司 | | United Kingdom |
| 360 | Royal Bank of Scotland N.V., The | | |  Scotland |
| Samsung Securities | | | South Korea |
| 269 | Shanghai Commercial and Savings Bank | 上海商業儲蓄銀行 | 1954 | Taiwan |
| 345 | Shanghai Pudong Development Bank | 上海浦東發展銀行 | 1993 | China |
| 199 | Shiga Bank, The | 滋賀銀行 | | Japan |
| 186 | Shizuoka Bank | 靜岡銀行 | | Japan |
| 316 | Skandinaviska Enskilda Banken | | |  Sweden |
| 081 | Société Générale | 法國興業銀行 | | France |
| Societe Generale Bank & Trust | | | France |
| Standard Bank | 標準銀行亞洲有限公司 | |  South Africa |
| 249 | Standard Chartered Bank | 渣打銀行 | | United Kingdom |
| 082 | State Bank of India | 印度國家銀行 | | India |
| 220 | State Street Bank and Trust Company | 美國道富銀行 | | United States of America |
| 065 | Sumitomo Mitsui Banking Corporation | 三井住友銀行 | | Japan |
| 371 | Sumitomo Mitsui Trust Bank | | | Japan |
| 165 | Svenska Handelsbanken (Sweden) | 瑞典商業銀行 | | Sweden |
| 378 | Ta Chong Bank | 大眾商業銀行 | 1992 | Taiwan |
| 239 | Taipei Fubon Commercial Bank | 台北富邦商業銀行 | 2005 | Taiwan |
| 245 | Taishin International Bank | 台新國際商業銀行 | 1992 | Taiwan |
| 230 | Taiwan Business Bank | 臺灣中小企業銀行 | 1915 | Taiwan |
| 265 | Taiwan Cooperative Bank | 合作金庫商業銀行 | 1944 | Taiwan |
| 085 | Toronto-Dominion Bank | 加拿大多倫多道明銀行 | | Canada |
| 337 | Taiwan Shin Kong Commercial Bank | 臺灣新光商業銀行 | 1918 | Taiwan |
| 273 | Shinhan Bank | | | South Korea |
| 103 | UBS | 瑞士銀行 | | Switzerland |
| 045 | UCO Bank | | | India |
| 268 | Union Bank of India | | | India |
| 071 | United Overseas Bank | 大華銀行有限公司 | | Singapore |
| 180 | Wells Fargo Bank | 富國銀行香港分行 | | United States of America |
| 218 | Portigon | 德國西德銀行 | | Germany |
| 151 | Westpac Banking Corporation | 西太平洋銀行 | | Australia |
| 118 | Woori Bank | | | South Korea |
Restricted licence banks
Incorporated in Hong Kong
Incorporated outside Hong Kong
Deposit-taking companies
Deposit-taking companies are mostly owned by, or associated with, banks. These companies engage in specialized activities, such as consumer finance and securities business. They may take deposits of HK$100,000 or above with an original term of maturity of at least three months. All deposit-taking companies are incorporated in Hong Kong
Sortable table | Bank Name | Chinese Name | Established | Country of Origin |
| BCOM Finance (Hong Kong) | 交通財務有限公司 | 1979[3] | People's Republic of China |
| BPI International Finance | nil | 1974[4] | Philippines |
| Chau's Brothers Finance Company | 周氏兄弟財務有限公司 | 1980 |  Hong Kong |
| Chong Hing Finance | 創興財務有限公司 | 1973 | Hong Kong |
| Commonwealth Finance Corporation | | 1982 | Hong Kong |
| Corporate Finance (D.T.C.) | | | Hong Kong |
| Fubon Credit (Hong Kong) | 富邦財務(香港)有限公司 | 1977 | Taiwan |
| Gunma Finance (Hong Kong) | 群馬財務（香港）有限公司 | | Japan |
| Habib Finance International | | | Switzerland |
| Henderson International Finance | 恒基國際財務有限公司 | 1976 | Hong Kong |
| HKCB Finance | 香港華人財務有限公司 | | People's Republic of China |
| Hung Kai Finance Co. | 鴻基財務有限公司 | 1972 | Hong Kong |
| KEB Asia Finance | | | South Korea |
| Kexim Asia | | 1976 | South Korea |
| OCBC Inchroy Credit Corporation | 華僑英利信用財務有限公司 | 1973 | Hong Kong |
| OCBC Wing Hang Finance Company | 華僑永亨財務有限公司 | 1973 | Hong Kong |
| Octopus Cards | 八達通卡公司 | | Hong Kong |
| PrimeCredit | 安信信貸有限公司 | | Hong Kong |
| Public Finance | 大眾財務有限公司 | 1977 | Hong Kong |
| Shinhan Asia | 新韓亞洲金融有限公司 | | South Korea |
| Vietnam Finance Company | | 2009 |  Vietnam |
| Woori Global Markets Asia | | 1899 | South Korea |
| Sendra Holdings Limited | 森德拉控股有限公司 | 2020 | Hong Kong |
Local representative offices (all incorporated outside Hong Kong)
Overseas banks may establish local representative offices in Hong Kong, but they are not allowed to engage in any banking business and their role is confined mainly to liaison work between the bank and its customers in Hong Kong.
Approved money brokers
- BGC Capital Markets (Hong Kong) Limited
- Bloomberg Tradebook Hong Kong Limited
- Currenex, Inc.
- EBS Service Company Limited
- FX Alliance, Llc
- Fxmarketspace Limited
- GFI (HK) Brokers Limited
- ICAP (Hong Kong) Limited
- iMarkets Limited
- Korea Money Brokerage Corporation
- Lotus Forex Limited
- Nittan Capital Asia Limited
- Reuters Transaction Services Limited
- SMBC Capital Markets Limited
- Sendra Holdings Limited
- Tradition (Asia) Limited
- Tullett Prebon (Hong Kong) Limited
Defunct, renamed or acquired banks
See also
References
External links
Netherlands 
China 
India .svg.png){kind=small}
Australia 
Switzerland 
Italy 
Spain 
Thailand 
United States of America 
Indonesia .svg.png){kind=small}
Canada 
Philippines 
Taiwan 
Japan 
Singapore 
United Kingdom 
France 
Malaysia 
Germany 
England 
Austria 
South Korea .svg.png){kind=small}
Belgium 
Liechtenstein 
United Arab Emirates 
Pakistan 
Scotland 
Sweden 
South Africa 
Luxembourg 
Hong Kong 
Vietnam 
Chile 
Qatar 
Latvia