SME Banking Business Account
Business Account
The all-in-one business account for SMEs

Why you will love this

  • Apply online easily
  • Small initial deposit of HKD 10,000
  • Unlimited free Faster Payment System (FPS) transfers
  • Comes with a suite of complimentary tools

Who can apply

  • Hong Kong registered company
  • Business owner with HK permanent resident ID
  • Additional eligibility applies

Not eligible? Don’t worry, click here to leave your contact details and our specialists will reach out to assist you

The all-in-one business account for SMEs

Simple, secure and convenient — open your account in as fast as three days when you apply online.


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The all-in-one business account

Get the account which integrates your current, statement savings and time deposits. Plus, enjoy unlimited Faster Payment System (FPS) transfers for free and no charge for over-the-counter transactions.

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Convert and hold up to 15 currencies

Transact like a local with up to 15 major currencies: USD, EUR, AUD, JPY, GBP, CNH, HKD, CAD, NZD, CHF, SEK, DKK, NOK, SGD, THB

Transact directly with currency of your choice and avoid losing money due to currency conversions.

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Digital banking anytime, anywhere

Handle all your banking needs 24/7 on mobile and desktop with OCBC Velocity, our award-winning digital business banking platform, and the OCBC Business Mobile Banking app.

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Free Business Debit Card

With your free personalised Business Debit Card, manage business expenses better when you link the OCBC Business Debit Card to your business account.

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Run your business with free digital tools

Available on OCBC Velocity, take advantage of digital tools to help plan for your business. These include a dashboard which gives an overview of all outstanding tasks and a summary of your cash position and portfolio activity.

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Integrated with user-friendly MPF and payroll services

Our MPF services enable your employees to enjoy reliable retirement protection. Turn your payroll into a stress-free affair with user-friendly mandatory provident fund (MPF) software and calculator to facilitate MPF calculations.

How to apply

It only takes 3 steps to open an OCBC WING HANG Business Account.

Before you apply

Eligibility requirements

  • Hong Kong registered company
  • Business owner with HK permanent resident ID card
  • Sole proprietor; Partners or up to 2 directors
  • Annual Turnover up to HKD 10,000,000
  • Single layer ownership
  • Businesses incorporated with local UBO (Ultimate Beneficial Owner)


Account opening fee

HKD 1,200

Initial deposit

HKD 10,000

Fall below fee*

HKD 150

OCBC Velocity
(Business Internet Banking)

Waived monthly fee

*When average daily total relationship balance below HK$50,000 or equivalent

Additional Notices

Ready to apply?

Get your business account as fast as 3 working days.

Apply online Resume application