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Fubon Bank (Hong Kong) Limited is a wholly owned subsidiary of Fubon Financial Holding Co., Ltd. (TWSE: 2881), the parent group headquartered in Taiwan. The parent Fubon Financial Holdings reported total assets of NT$12.88 trillion at the end of 2025 (the second highest among Taiwan financial holding companies), with the highest market capitalisation in the sector. Important note: this NT$12.88 trillion figure represents the parent group's consolidated global assets, not the Hong Kong subsidiary's standalone balance sheet. Fubon Bank (Hong Kong) Limited's own standalone assets are not publicly disclosed.
Historical Milestones
| Year | Milestone |
|---|---|
| 1969 | Origins traced to Sun Hung Kai Finance Company, the financing arm of Sun Hung Kai Securities. |
| Later | Sun Hung Kai Finance became Sun Hung Kai Bank, then later rebranded as International Bank of Asia (IBA). |
| 2004 | International Bank of Asia (IBA) was acquired by Fubon Financial Holding Co., Ltd. and renamed Fubon Bank (Hong Kong) Limited. |
| 2008 | Fubon Bank (Hong Kong) acquired a stake in Xiamen Bank, making Fubon Financial Holdings the first Taiwanese financial institution to own shares in a Chinese bank. |
| 2014 | Fubon Financial Holdings and Taipei Fubon Bank acquired an 80% stake in First Sino Bank, which was renamed Fubon Bank (China). |
| 2016 | Fubon Bank (China) became a wholly owned subsidiary of Fubon Financial Holdings. |
| 2021 (Jul) | Mr. Chung was appointed Chief Executive Officer and Managing Director of Fubon Bank (Hong Kong). |
| 2023 (Mar) | Mr. Hsu joined as Executive Vice President and Chief Strategy Officer, having previously served as CEO of ZA Bank. |
| 2024 (Feb) | Mr. Hsu was additionally appointed Chief Risk Officer, overseeing Group Risk Management. |
| 2025 | Fubon Financial Holdings (parent company) reached total global assets of NT$12.88 trillion. Fubon Bank (Hong Kong)'s standalone assets remain undisclosed. |
Products and Services
Personal Banking, Deposit Accounts
Editorial note: Fubon Bank Hong Kong does not publish all minimum balances and deposit rates on its public site. Readers should consult Fubon's terms and conditions and service charges schedule for current information.
| Account Type | Key Features | Minimum / Notes |
|---|---|---|
| Fubon Statement Savings | Standard HKD savings account with online and mobile banking access. | Refer to Fubon tariff. |
| Fubon Interest-bearing Current Account | Current account with interest on balances and cheque book access. | Refer to Fubon tariff. |
| Fubon Fixed Deposit | Fixed deposits available in HKD, USD, RMB and other currencies with flexible tenures. | Refer to Fubon tariff. |
| Fubon magi©money Manager | Integrated money management product with features governed by Fubon's Terms and Conditions. | Refer to Fubon T&Cs. |
| Fubon Target Savings Plan | Goal-oriented savings plan with regular contribution structure. | Refer to Fubon T&Cs. |
| Fubon RMB Services | Renminbi savings and cross-border RMB transaction services through the Fubon Bank (China) network. | Refer to Fubon tariff. |
Business and Corporate Banking
| Account Type | Target Segment | Key Features |
|---|---|---|
| Fubon Corporate Account | Mid-market and corporate customers | Relationship-managed banking with cash management and trade finance support. |
| Fubon SME Banking Account | Small and medium enterprises (SMEs) | Dedicated SME Banking Services Centres providing tailored banking solutions. |
| Fubon Offshore Banking | International businesses | Offshore Banking Centre serving cross-border corporate clients. |
| Fubon China Business Services | Taiwan and China-focused businesses | Cross-border banking through the Fubon Bank (China) and Taipei Fubon Bank network. |
| Fubon Online Payment Service | E-commerce merchants | Online payment processing and merchant services for digital businesses. |
Credit Cards
Editorial note: Fubon Bank credit card annual fees, earn rates, and promotional offers should be confirmed against the current Fubon Bank credit cards page before publication. Cards are issued through Fubon Credit (Hong Kong) Limited.
| Card Name | Annual Fee | Key Benefit |
|---|---|---|
| Fubon Visa Platinum Card | [VERIFY current annual fee] | Earn reward points on local and overseas spending with exclusive shopping and dining privileges. |
| Fubon Travel Card | [VERIFY] | Travel-focused credit card offering air miles, overseas spending rewards, and travel-related benefits. |
| Fubon Co-branded Cards | [VERIFY] | Co-branded cards with retail and lifestyle partners offering exclusive promotions and cashback. |
| Fubon Business Card | [VERIFY] | Business expense management solution for SME and corporate customers with spending controls and reporting. |
Loans and Lending
| Loan Type | Interest Rate | Key Features |
|---|---|---|
| Personal Loan | [VERIFY current EIR] | Personal financing provided through Fubon Credit (Hong Kong) Limited with flexible repayment options. |
| Home Loan (Mortgage) | HIBOR-linked or Prime-linked plans | Mortgage financing with up to HKMA-permitted loan-to-value (LTV) ratio and repayment tenures of up to 30 years. |
| General Corporate Loan | Negotiated | Corporate lending solutions for mid-market businesses with customized financing terms. |
| SME Business Loan | Negotiated | Financing for SMEs, including government-backed options under the SFGS Special Concessionary Measures for eligible businesses. |
| Trade Finance | Negotiated | Import and export financing, letters of credit, documentary collections, and bill discounting solutions. |
| Taiwan Corridor Lending | Negotiated | Cross-border lending through the Fubon Financial Holdings network, including Taipei Fubon Bank and Fubon Bank (China). |
Wealth Management and Investments
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Fubon Bank Wealth Management, comprehensive wealth advisory and product distribution
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Investment Funds and Mutual Funds, including Fubon Asset Management funds and third-party funds
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Bonds, fixed income product range for stable yield
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Securities Brokerage through the Fubon Bank Securities Services Centre
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Currency-linked and Equity-linked Investment Products
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Insurance products through Fubon Insurance and Fubon Life Hong Kong
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Money Safe Protection Service, security feature for customer funds
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Fubon Asset Management leveraging Taiwan parent group's investment expertise
Fees and Charges (Hong Kong)
Account Fees
| Charge Type | Fubon Bank HK Rate |
|---|---|
| Monthly Service Fee (Savings) | [VERIFY current fee and waiver conditions] |
| Monthly Service Fee (Current) | [VERIFY current fee and waiver conditions] |
| Fall-Below Fee | [VERIFY current applicable fee] |
| Cheque Book | [VERIFY current pricing] |
| Banker's Cheque | [VERIFY current fee] |
| Stop Cheque Instruction | [VERIFY current fee] |
Transfer and Remittance Fees
| Transfer Type | Fubon Bank HK Fee |
|---|---|
| FPS (Faster Payment System) in HKD | Free |
| Local CHATS Transfer | [VERIFY current fee per Fubon tariff] |
| Overseas Telegraphic Transfer (TT) | [VERIFY current outbound TT fee and applicable agent charges] |
| Inward Remittance | [VERIFY current inward remittance credit fee] |
| RMB Cross-border Transfer | Competitive rates through the Fubon Bank (China) corridor [VERIFY current fee structure] |
| Taiwan Corridor Transfer | Available through the Taipei Fubon Bank network [VERIFY current fee structure] |
Foreign Exchange and Card Fees
| Charge Type | Fubon Bank HK Rate |
|---|---|
| FX Conversion Markup | Standard Fubon retail FX margin [VERIFY current band] |
| Overseas ATM Withdrawal | [VERIFY current fee plus FX surcharge] |
| Credit Card FX Surcharge | Industry standard around 1.95% [VERIFY current rate] |
| Credit Card Late Payment Fee | [VERIFY current late payment fee] |
Loan and Trade Finance Fees
| Charge Type | Fubon Bank HK Rate |
|---|---|
| Personal Loan Processing Fee | [VERIFY current processing fee] |
| Home Loan Processing and Valuation | [VERIFY current legal and valuation cost range] |
| Early Repayment Penalty | [VERIFY current penalty structure] |
| SME Loan Processing Fee | [VERIFY current processing fee percentage] |
| Trade Finance Handling Fee | [VERIFY current handling fee per transaction] |
Pros and Cons
Advantages
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Backed by Fubon Financial Holdings, highest market capitalisation Taiwan financial holding company with NT$12.88 trillion total assets at end 2025 (parent group)
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Standard and Poor's A-2 short-term and A- long-term rating reflecting strong capitalisation, good liquidity, and sound asset quality
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Strong Taiwan corridor through Taipei Fubon Bank and Fubon Bank (China)
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Integrated financial services platform including Fubon Insurance, Fubon Life Hong Kong, Fubon Securities, and Fubon Asset Management
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Established Hong Kong presence since 2004, with experienced management team
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Dedicated SME Banking Services Centres providing tailored support to growing businesses
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Offshore Banking Centre and Securities Services Centre supporting cross-border and investment-focused customers
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Regular promotional offers including cash rewards for qualifying customer enrolments
Disadvantages
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Smaller Hong Kong branch network (15 branches) compared with HSBC, Hang Seng, BEA, and the Big Three Singapore banks operating in Hong Kong
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Lower brand recognition in Hong Kong than incumbent local banks
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Smaller global network than HSBC, Citi, or Standard Chartered for non-Greater China international banking
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Wealth management proposition is less prominent than DBS Treasures, OCBC Premier, or Citigold at the premium tier
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Fubon Bank Hong Kong standalone assets not publicly disclosed (only parent group consolidated figure available)
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Non-resident account opening may require enhanced documentation and branch visits
Conclusion
Fubon Bank (Hong Kong) offers a broad range of personal banking, business banking, lending, trade finance, and wealth management solutions, backed by the strength of Fubon Financial Holdings. If you're planning to open a bank account or establish a business in Hong Kong, Lion Business Co. can help with company formation, banking assistance, accounting, and compliance to ensure a smooth setup process.
