Livi Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Livi Bank is a Hong Kong virtual Mastercard debit account whose monthly fee is HKD 0, so it suits anyone who wants a card to spend online with no cost to hold. The catch sits with foreign currency, where charges of 1.9% leave it at 155 of 259.
Key facts
- Best for
- A virtual Mastercard for online spending with a monthly fee of HKD 0.
- Monthly fee
- HK$0 (Source, checked September 26, 2026)
- Currency conversion fee
- 1.9% (Source, checked September 26, 2026)
- Card type
- Virtual (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Livi Bank Limited (Source, checked September 26, 2026)
- Headquarters
- Hong Kong (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- livibank.com
Credit cards
Pros and cons
Pros
- Nothing to pay to hold it: the monthly fee is HKD 0.
- Runs on mastercard, so it is accepted wherever Mastercard is taken.
- Support runs on email, phone and help centre, with a phone route as well as written help.
- Sits at 1 of 419 on monthly fee in the comparison.
Cons
- Currency conversion costs 1.9%, against 1% across the brands compared.
- The virtual card type suits online spending more than paying in person.
Who it suits
- Hong Kong residents who want a Mastercard for everyday online spending.
- People who want a card that costs nothing while it sits unused, since the monthly fee is HKD 0.
- Cardholders who want to reach a person, since support runs on email, phone and help centre.
Who should look elsewhere
- Frequent foreign currency spenders, who pay less on Lynk Visa virtual card at 0%.
- Anyone choosing on monthly cost alone, since DolarApp DolarCard also lists $0 and the split is the conversion charge.
How Livi Bank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where Livi Bank is available
- Available
- Hong Kong
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Livi Bank charge to hold the card?+
The monthly fee is HKD 0, so holding the account carries no recurring charge. The fee that matters is on currency conversion, which runs at 1.9% and applies whenever a purchase is settled in another currency. Spend in the currency the account holds and the running cost stays close to nothing.
Which card network does Livi Bank use?+
The card is a mastercard card, so it is accepted wherever Mastercard is taken. On this comparison site 38.5% of the cards use that network, while 58.6% sit on Visa, so Livi Bank is in the smaller of the two large groups rather than the largest.
Is the Livi Bank card physical or virtual?+
It is a virtual card, so there is nothing to carry and nothing to lose from a pocket. Details live in the app rather than on plastic, and the card is shaped for paying online, for subscriptions and for anywhere a card number is all that is needed. Anyone expecting to tap in a shop should look elsewhere.
Who is Livi Bank aimed at?+
The account is built in HK by Livi Bank Limited, so it suits people banking in Hong Kong rather than a single global audience. The card type of virtual and the Mastercard network suit anyone who shops and subscribes online. Conversion charges of 1.9% make it a weaker pick for frequent overseas spending.
How do I get help from Livi Bank?+
Support runs on email, phone and help centre, covering email, phone and a help centre, so there is a route other than the app. On this site 75.6% and 67.3% are the most common channels among the cards compared. Phone suits anything urgent about a payment, email suits a query you want on record.
How does Livi Bank compare with Lynk Visa virtual card on cost?+
Livi Bank charges HKD 0 a month but 1.9% for currency conversion. Lynk Visa virtual card lists a conversion fee of 0%, so the two sit at opposite ends of the same cost. Anyone paying in the account's own currency sees little difference, while anyone converting regularly does.
Should I pick Livi Bank or DolarApp DolarCard?+
Both carry a monthly fee of HKD 0 and $0, so monthly cost does not separate them. What differs is the conversion charge, which is 1.9% for Livi Bank. Card type and network then settle it: Livi Bank is a virtual card on mastercard.
Sources
- livibank.com/en checked September 26, 2026
Backs: Headquarters, Support channels
“livi bank Hong Kong”
- livibank.com/en/pdf/livi-fees-n-charges-en.pdf checked September 26, 2026
Backs: Currency conversion fee, Legal entity, Card network
“livi Debit Mastercard - Foreign currency transaction handling fee 1.9%”
- livibank.com/features/livisave.html checked September 26, 2026
Backs: Monthly fee
“liviSave - No fees. No minimum deposit.”
- livibank.com/pdf/20210301-livi-partners-with-mastercard.pdf checked September 26, 2026
Backs: Card type
“virtual Mastercard debit card - livi Debit Mastercard”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
Livi Bank
A virtual Mastercard for online spending with a monthly fee of HKD 0.