ZA Savings Go, Easy Deposit, 5 seconds recall, facial authentication,Create together, be different together

open account in as fast as 5 minutes, cashback, interest, rate up coupon, green cards, FPS

ZA Bank
Your Future Bank for Now
As a licensed bank, we use technology to conquer the limitations of traditional banks, bringing our users a more convenient banking experience without sacrificing security. And you can also enjoy 24x7 customer service!
As fast as 2 minutes
ZA Bank
Your Future Bank for Now
As a licensed bank, we use technology to conquer the limitations of traditional banks, bringing our users a more convenient banking experience without sacrificing security. And you can also enjoy 24x7 customer service!
As fast as 2 minutes
Since our official launch in March 2020,
we’ve gained over 700,000 users*
     Top-rated HK retail banking app on      Google Play: rating 4.6+ Top-rated HK retail banking app Google Play: rating 4.6+
International Finance
International Finance Awards 2022 -
'Best Neo Bank - Hong Kong 2022' ^^^
Since our official launch in March 2020,
we’ve gained over 700,000 users*
     Top-rated HK retail banking app on      Google Play: rating 4.6+ Top-rated HK retail banking app Google Play: rating 4.6+
International Finance
International Finance Awards 2022 -
'Best Neo Bank - Hong Kong 2022' ^^^
Since our official launch in March 2020,
we’ve gained over 700,000 users*
     Top-rated HK retail banking app on      Google Play: rating 4.6+ Top-rated HK retail banking app Google Play: rating 4.6+
International Finance
International Finance Awards 2022 -
'Best Neo Bank - Hong Kong 2022' ^^^
Since our official launch in March 2020,
we’ve gained over 700,000 users*
     Top-rated HK retail banking app on      Google Play: rating 4.6+ Top-rated HK retail banking app Google Play: rating 4.6+
International Finance
International Finance Awards 2022 -
'Best Neo Bank - Hong Kong 2022' ^^^
Open an account in as fast as 2 mins&
Swift and zero deposit barriers!
HK residents and visitors in HK# can open an account online!
24x7 banking services
Deposit, transfer, or exchange your money and more at all times!
A licensed bank
The first virtual bank in HK regulated by the same rules and operating standards as traditional banks
All-in-one banking services
Including transfer, deposit, ZA Card, loan, currency exchange, overseas remittance, insurance and investment!
Deposit Protection Scheme (DPS)
ZA Bank Limited is a member of DPS. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.
Open an account in as fast as 2 mins&
Swift and zero deposit barriers!
HK residents and visitors in HK# can open an account online!
24x7 banking services
Deposit, transfer, or exchange your money and more at all times!
A licensed bank
The first virtual bank in HK regulated by the same rules and operating standards as traditional banks
All-in-one banking services
Including transfer, deposit, ZA Card, loan, currency exchange, overseas remittance, insurance and investment!
Deposit Protection Scheme (DPS)
ZA Bank Limited is a member of DPS. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.
Open an account in
as fast as 2 mins&
Swift and zero deposit barriers!
HK residents and visitors in HK# can open an account online!
24x7 banking services
Deposit, transfer, or exchange your money and more at all times!
A licensed bank
The first virtual bank in HK regulated by the same rules and operating standards as traditional banks
All-in-one banking services
Including transfer, deposit, ZA Card, loan, currency exchange, overseas remittance, insurance and investment!
Deposit Protection Scheme (DPS)
ZA Bank Limited is a member of DPS. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.
Open an account in
as fast as 2 mins&
Swift and zero deposit barriers!
HK residents and visitors in HK# can open an account online!
24x7 banking services
Deposit, transfer, or exchange your money and more at all times!
A licensed bank
The first virtual bank in HK regulated by the same rules and operating standards as traditional banks
All-in-one banking services
Including transfer, deposit, ZA Card, loan, currency exchange, overseas remittance, insurance and investment!
Deposit Protection Scheme (DPS)
ZA Bank Limited is a member of DPS. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.
「Salary+」
Set ZA Bank as Payroll account and enjoy up to 8.8% p.a. HKD savings rate!
Learn more
*Terms and conditions apply.
Millionaire PowerDraw : Special Edition
Each winning draw
is worth HKD 10,000
Learn more
*Terms and conditions apply.
「Salary+」
Set ZA Bank as Payroll account and enjoy up to 8.8% p.a. HKD savings rate!
Learn more
*Terms and conditions apply.
Millionaire PowerDraw : Special Edition
Each winning draw
is worth HKD 10,000
Learn more
*Terms and conditions apply.
「Salary+」
Set ZA Bank as Payroll account and enjoy up to 8.8% p.a. HKD savings rate!
*Terms and conditions apply.
Millionaire PowerDraw : Special Edition
Each winning draw
is worth HKD 10,000
*Terms and conditions apply.
「Salary+」
Set ZA Bank as Payroll account and enjoy up to 8.8% p.a. HKD savings rate!
*Terms and conditions apply.
Millionaire PowerDraw : Special Edition
Each winning draw
is worth HKD 10,000
*Terms and conditions apply.
Deposit
  • Multi-currency time deposits are provided, including HKD, RMB and USD
  • Complete foreign currency exchanges and time deposits in one step, and exchange HKD, RMB and USD 24x7, at any time
  • Withdraw cash for free at Visa ATMs in HK with a physical ZA Card
  • You can get 4 rate-up coupons every Tuesday and earn more on deposits!
ZA Card
  • A Visa debit card with no annual fees, financial charges or late fees
  • Supported by Apple Pay and Google Pay
  • Choose the last 6 digits of your ZA Card
Local Transfer (FPS supported)
  • Free and instant interbank transfers
  • Receive HKD and RMB with just your mobile phone number via FPS
  • Support credit card repayments, tax and premium payments, etc.
  • The Frequent Payee section on the Transfer homepage allows for faster and more convenient transfers​
Global Transfer
  • Created with Wise, ZA Remit has 0 hidden rate markups and fees@
  • ZA Remit has 16 currencies supported, including PHP, USD, GBP, etc.
  • 50% of remittances via Wise are completed within 20 seconds$
  • SWIFT is also supported in receiving cross-border remittances
Insurance
  • Generali, the top Italian insurance group, and ZA Insure have joined hands together
  • Generali’s MDRT dedicated team% will provide all-round protection
  • You can get insured with ZA Insure’s products in as fast as 3 minutes through the mobile apps. Yes, getting insurance is easier than ever
  • Multiple insurance products are available for different needs, including critical illness protection, savings, life insurance, and deferred annuities
Important Notes
Loan
  • A variety of loans, including Instalment Loan, Card Statement Instalment, Debt Consolidation, and Salary FastPass to meet different needs
  • Instalment Loan APR as low as 1.80% APR
  • New bank customers can know their approval result in 90 seconds
  • Instalment Loan amount up to HKD 1,000,000
To borrow or not to borrow? borrow only if you can repay!
Fund
  • Choose from top funds worldwide, including AllianceBernstein, Allianz, Fidelity, Franklin Templeton, Taikang and UBS
  • Open an investment account in as fast as 1 minute
  • Subscribe to currency, stock and bond funds with your investment account
  • Subscribe to money market funds with as low as 0 subscription fee
Important risk statement
Stock
  • Choose from more than 6,000 US stocks and 3,000 ETFs.
  • Activate US stock trading services to get a +1% p.a. USD savings Rate-up Coupon! Complete multiple stock transactions to get up to +9% p.a. USD savings Rate-up Coupon*.
  • Commission is USD 0.012 per share, you can enjoy commission discount as low as USD 3.88 per order during the promotion period**.
  • Free real-time quotes***, 24 x 7 real-time financial news, market valuations, ETF classifiers and other professional analysis tools!
Important risk statement
Deposit
  • Multi-currency time deposits are provided, including HKD, RMB and USD
  • Complete foreign currency exchanges and time deposits in one step, and exchange HKD, RMB and USD 24x7, at any time
  • Withdraw cash for free at Visa ATMs in HK with a physical ZA Card
  • You can get 4 rate-up coupons every Tuesday and earn more on deposits!
ZA Card
  • A Visa debit card with no annual fees, financial charges or late fees
  • Supported by Apple Pay and Google Pay
  • Choose the last 6 digits of your ZA Card
Local Transfer (FPS supported)
  • Free and instant interbank transfers
  • Receive HKD and RMB with just your mobile phone number via FPS
  • Support credit card repayments, tax and premium payments, etc.
  • The Frequent Payee section on the Transfer homepage allows for faster and more convenient transfers​
Global Transfer
  • Created with Wise, ZA Remit has 0 hidden rate markups and fees@
  • ZA Remit has 16 currencies supported, including PHP, USD, GBP, etc.
  • 50% of remittances via Wise are completed within 20 seconds$
  • SWIFT is also supported in receiving cross-border remittances
Insurance
  • Generali, the top Italian insurance group, and ZA Insure have joined hands together
  • Generali’s MDRT dedicated team% will provide all-round protection
  • You can get insured with ZA Insure’s products in as fast as 3 minutes through the mobile apps. Yes, getting insurance is easier than ever
  • Multiple insurance products are available for different needs, including critical illness protection, savings, life insurance, and deferred annuities
Important Notes
Loan
  • A variety of loans, including Instalment Loan, Card Statement Instalment, Debt Consolidation, and Salary FastPass to meet different needs
  • Instalment Loan APR as low as 1.80% APR
  • New bank customers can know their approval result in 90 seconds
  • Instalment Loan amount up to HKD 1,000,000
To borrow or not to borrow? borrow only if you can repay!
Fund
  • Choose from top funds worldwide, including AllianceBernstein, Allianz, Fidelity, Franklin Templeton, Taikang and UBS
  • Open an investment account in as fast as 1 minute
  • Subscribe to currency, stock and bond funds with your investment account
  • Subscribe to money market funds with as low as 0 subscription fee
Important risk statement
Stock
  • Choose from more than 6,000 US stocks and 3,000 ETFs.
  • Activate US stock trading services to get a +1% p.a. USD savings Rate-up Coupon! Complete multiple stock transactions to get up to +9% p.a. USD savings Rate-up Coupon*.
  • Commission is USD 0.012 per share, you can enjoy commission discount as low as USD 3.88 per order during the promotion period**.
  • Free real-time quotes***, 24 x 7 real-time financial news, market valuations, ETF classifiers and other professional analysis tools!
Important risk statement
Deposit
  • Multi-currency time deposits are provided, including HKD, RMB and USD
  • Complete foreign currency exchanges and time deposits in one step, and exchange HKD, RMB and USD 24x7, at any time
  • Withdraw cash for free at Visa ATMs in HK with a physical ZA Card
  • You can get 4 rate-up coupons every Tuesday and earn more on deposits!
ZA Card
  • A Visa debit card with no annual fees, financial charges or late fees
  • Supported by Apple Pay and Google Pay
  • Choose the last 6 digits of your ZA Card
Local Transfer (FPS supported)
  • Free and instant interbank transfers
  • Receive HKD and RMB with just your mobile phone number via FPS
  • Support credit card repayments, tax and premium payments, etc.
  • The Frequent Payee section on the Transfer homepage allows for faster and more convenient transfers​
Global Transfer
  • Created with Wise, ZA Remit has 0 hidden rate markups and fees@
  • ZA Remit has 16 currencies supported, including PHP, USD, GBP, etc.
  • 50% of remittances via Wise are completed within 20 seconds$
  • SWIFT is also supported in receiving cross-border remittances
Insurance
  • Generali, the top Italian insurance group, and ZA Insure have joined hands together
  • Generali’s MDRT dedicated team% will provide all-round protection
  • You can get insured with ZA Insure’s products in as fast as 3 minutes through the mobile apps. Yes, getting insurance is easier than ever
  • Multiple insurance products are available for different needs, including critical illness protection, savings, life insurance, and deferred annuities
Important Notes
Loan
  • A variety of loans, including Instalment Loan, Card Statement Instalment, Debt Consolidation, and Salary FastPass to meet different needs
  • Instalment Loan APR as low as 1.80% APR
  • New bank customers can know their approval result in 90 seconds
  • Instalment Loan amount up to HKD 1,000,000
To borrow or not to borrow? borrow only if you can repay!
Fund
  • Choose from top funds worldwide, including AllianceBernstein, Allianz, Fidelity, Franklin Templeton, Taikang and UBS
  • Open an investment account in as fast as 1 minute
  • Subscribe to currency, stock and bond funds with your investment account
  • Subscribe to money market funds with as low as 0 subscription fee
Important risk statement
Stock
  • Choose from more than 6,000 US stocks and 3,000 ETFs.
  • Activate US stock trading services to get a +1% p.a. USD savings Rate-up Coupon! Complete multiple stock transactions to get up to +9% p.a. USD savings Rate-up Coupon*.
  • Commission is USD 0.012 per share, you can enjoy commission discount as low as USD 3.88 per order during the promotion period**.
  • Free real-time quotes***, 24 x 7 real-time financial news, market valuations, ETF classifiers and other professional analysis tools!
Important risk statement
Deposit
  • Multi-currency time deposits are provided, including HKD, RMB and USD
  • Complete foreign currency exchanges and time deposits in one step, and exchange HKD, RMB and USD 24x7, at any time
  • Withdraw cash for free at Visa ATMs in HK with a physical ZA Card
  • You can get 4 rate-up coupons every Tuesday and earn more on deposits!
ZA Card
  • A Visa debit card with no annual fees, financial charges or late fees
  • Supported by Apple Pay and Google Pay
  • Choose the last 6 digits of your ZA Card
Local Transfer (FPS supported)
  • Free and instant interbank transfers
  • Receive HKD and RMB with just your mobile phone number via FPS
  • Support credit card repayments, tax and premium payments, etc.
  • The Frequent Payee section on the Transfer homepage allows for faster and more convenient transfers​
Global Transfer
  • Created with Wise, ZA Remit has 0 hidden rate markups and fees@
  • ZA Remit has 16 currencies supported, including PHP, USD, GBP, etc.
  • 50% of remittances via Wise are completed within 20 seconds$
  • SWIFT is also supported in receiving cross-border remittances
Insurance
  • Generali, the top Italian insurance group, and ZA Insure have joined hands together
  • Generali’s MDRT dedicated team% will provide all-round protection
  • You can get insured with ZA Insure’s products in as fast as 3 minutes through the mobile apps. Yes, getting insurance is easier than ever
  • Multiple insurance products are available for different needs, including critical illness protection, savings, life insurance, and deferred annuities
Important Notes
Loan
  • A variety of loans, including Instalment Loan, Card Statement Instalment, Debt Consolidation, and Salary FastPass to meet different needs
  • Instalment Loan APR as low as 1.80% APR
  • New bank customers can know their approval result in 90 seconds
  • Instalment Loan amount up to HKD 1,000,000
To borrow or not to borrow? borrow only if you can repay!
Fund
  • Choose from top funds worldwide, including AllianceBernstein, Allianz, Fidelity, Franklin Templeton, Taikang and UBS
  • Open an investment account in as fast as 1 minute
  • Subscribe to currency, stock and bond funds with your investment account
  • Subscribe to money market funds with as low as 0 subscription fee
Important risk statement
Stock
  • Choose from more than 6,000 US stocks and 3,000 ETFs.
  • Activate US stock trading services to get a +1% p.a. USD savings Rate-up Coupon! Complete multiple stock transactions to get up to +9% p.a. USD savings Rate-up Coupon*.
  • Commission is USD 0.012 per share, you can enjoy commission discount as low as USD 3.88 per order during the promotion period**.
  • Free real-time quotes***, 24 x 7 real-time financial news, market valuations, ETF classifiers and other professional analysis tools!
Important risk statement
Extreme Security
Unlock ZA Bank App biometrically with your face or fingerprint, every time you log in or perform a transaction. Instantly receive a notification for every high-risk transaction. Lock your ZA Card with one tap if you discover an unauthorised payment, and raise a transaction dispute to avoid any losses. Finally, we aim to protect your privacy, and to create a smart management platform with a high level of protection for all users.
Extreme Security
Unlock ZA Bank App biometrically with your face or fingerprint, every time you log in or perform a transaction. Instantly receive a notification for every high-risk transaction. Lock your ZA Card with one tap if you discover an unauthorised payment, and raise a transaction dispute to avoid any losses. Finally, we aim to protect your privacy, and to create a smart management platform with a high level of protection for all users.
Extreme Security
Unlock ZA Bank App biometrically with your face or fingerprint, every time you log in or perform a transaction. Instantly receive a notification for every high-risk transaction. Lock your ZA Card with one tap if you discover an unauthorised payment, and raise a transaction dispute to avoid any losses. Finally, we aim to protect your privacy, and to create a smart management platform with a high level of protection for all users.
Extreme Security
Unlock ZA Bank App biometrically with your face or fingerprint, every time you log in or perform a transaction. Instantly receive a notification for every high-risk transaction. Lock your ZA Card with one tap if you discover an unauthorised payment, and raise a transaction dispute to avoid any losses. Finally, we aim to protect your privacy, and to create a smart management platform with a high level of protection for all users.
Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from ZA Bank! Should you have any doubts regarding the identities of the message senders or authenticity of the messages, please call us at (852) 3665 3665 for verification.

Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from ZA Bank! Should you have any doubts regarding the identities of the message senders or authenticity of the messages, please call us at (852) 3665 3665 for verification.

Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from ZA Bank! Should you have any doubts regarding the identities of the message senders or authenticity of the messages, please call us at (852) 3665 3665 for verification.

Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from ZA Bank! Should you have any doubts regarding the identities of the message senders or authenticity of the messages, please call us at (852) 3665 3665 for verification.

ZA Bank’s core brand spirit of "Your Future Bank for Now" demonstrates our dedication to prioritise “Banking for Web3” and provide the best for our users.

As Hong Kong continues to digitalise across all fronts, we are determined to harness the technological advantages of virtual banking to meet our users' needs. We will become their "Future Bank for Now” by bringing brand-new banking products and a service experience ahead of the competition.

Even if the steps we take today may seem insignificant, they will lead us to further innovations and allow us to bring more of the future into the present for our users. As such, we will always strive to bring ground-breaking products, services, and a first-class app interface for a user-friendly experience.

ZA Bank’s core brand spirit of "Your Future Bank for Now" demonstrates our dedication to prioritise “Banking for Web3” and provide the best for our users.

As Hong Kong continues to digitalise across all fronts, we are determined to harness the technological advantages of virtual banking to meet our users' needs. We will become their "Future Bank for Now” by bringing brand-new banking products and a service experience ahead of the competition.

Even if the steps we take today may seem insignificant, they will lead us to further innovations and allow us to bring more of the future into the present for our users. As such, we will always strive to bring ground-breaking products, services, and a first-class app interface for a user-friendly experience.

ZA Bank’s core brand spirit of "Your Future Bank for Now" demonstrates our dedication to prioritise “Banking for Web3” and provide the best for our users.

As Hong Kong continues to digitalise across all fronts, we are determined to harness the technological advantages of virtual banking to meet our users' needs. We will become their "Future Bank for Now” by bringing brand-new banking products and a service experience ahead of the competition.

Even if the steps we take today may seem insignificant, they will lead us to further innovations and allow us to bring more of the future into the present for our users. As such, we will always strive to bring ground-breaking products, services, and a first-class app interface for a user-friendly experience.

ZA Bank’s core brand spirit of "Your Future Bank for Now" demonstrates our dedication to prioritise “Banking for Web3” and provide the best for our users.

As Hong Kong continues to digitalise across all fronts, we are determined to harness the technological advantages of virtual banking to meet our users' needs. We will become their "Future Bank for Now” by bringing brand-new banking products and a service experience ahead of the competition.

Even if the steps we take today may seem insignificant, they will lead us to further innovations and allow us to bring more of the future into the present for our users. As such, we will always strive to bring ground-breaking products, services, and a first-class app interface for a user-friendly experience.

Important Notes
ZA Life Limited (with business name as ‘ZA Insure’) and Generali Life (Hong Kong) Limited (“Generali”) are authorized and regulated by Insurance Authority of the Hong Kong SAR.
ZA Bank Limited (‘ZA Bank’) is a licensed insurance agency (license number GA1009) authorized by ZA Insure and Generali.
All the above insurance products are not products of ZA Bank, bank deposits or bank savings plans.
Important risk statement
Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation, If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
^^ZA Bank was recognised as the “Virtual Bank of the Year – Consumer (Hong Kong)” in 2023 by The Asset, a widely recognised business news and research organisation, delivering authoritative, unbiased and independent coverage on Asia’s financial industry. For more information, please visit: https://www.theasset.com/awards-single/digital-awards.
^^^ZA Bank was recognised as the "Best Neo Bank - Hong Kong" in 2022 by International Finance, a premium business and finance magazine published by UK’s International Finance Publications Limited. For more information, please visit https://awards.internationalfinance.com/.
&The time needed for account opening is subject to actual circumstances. In general, provided that no extra information is required, an user can open an account in as fast as 2 minutes.
*Data is as of 31 August 2023.

+Data is as of 31 December 2023.

#To cater to everyone's financial needs, such as spending and wealth management, ZA Bank is offering exclusive banking services in Hong Kong.
♣ Overseas cash withdrawal may incur handling fees.
†Rate-up coupon is subject to its terms and conditions, and users should reference to the relevant terms and conditions before use. For details of the rate-up coupon, please refer to the relevant terms and conditions.
‡‡ Each eligible spending transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance ("Chance"), and will not be entitled to other ZA Card rebate offers. All Chances are valid for 48 hours. Each Chance may give a rebate up to 200% of the transaction amount or other designated rewards. Probability of each reward is not evenly distributed. Rebate is in a form of ZA Coin. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. The rebate is capped at 1,000,000 ZA Coin (or HKD 10,000) per transaction. Terms and conditions apply.
@Wise pulls the exchange rates from independent sources including Reuters, XE and Google to provide mid-market rates in real time, which is the midpoint between the buy and sell rates on the global currency markets. Neither Wise nor ZA Bank charge any fees for curreny exchange.
$https://wise.com/gb/blog/q3-2022-mission-update-speed
% "MDRT" stands for "Million Dollar Round Table". For more information, please visit mdrt.org.
¶The Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example, where the loan amount is HKD1,000,000, with repayment tenor of 12 months and monthly flat rate 0.081%. Please refer to the interest rate & monthly repayment table shown during loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks, and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
♠This approval result is preliminary. Users are required to submit proof documents before receiving the final result. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result by applying via ZA Bank website in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in “Loan” tab after logging into ZA Bank App. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
♦The time needed for investment account opening is subject to actual circumstances. In general, provided that no extra information is required, an existing ZA Bank user can open an investment account and complete fund subscriptions in as fast as 1 minutes.
* From 26 February 2024 to 31 July 2024, successfully open US stock trading services to get an extra +1% p.a. USD savings rate up coupon, applicable to savings balance of USD 10,000 or below with expiry on 31 July 2024. In addition, per stock transaction with amount equal to or above USD300, you can get a +0.2% p.a. USD savings rate up coupon, applicable to savings balance of USD 10,000 or below with expiry on the last calendar day of the month (the month you receive the rate up coupon). During the promotion period, you may get the savings rate up coupons with maximum 10% p.a. extra savings interest rate for USD savings per month by completing multiple stock transactions in the same month, the extra USD savings annual interest rate is applicable on top of the USD savings basic annual interest rate. Terms and conditions apply.
** The commission of other banks is calculated based on the average US Stock commission charges of 11 Hong Kong banks. Data as of 20 February 2024.
*** Real-time quotes are only available for non-professional subscribers who have successfully opened investment accounts. Professional Subscribers are only displayed with 15-minute-delayed quotes.
Important Notes
ZA Life Limited (with business name as ‘ZA Insure’) and Generali Life (Hong Kong) Limited (“Generali”) are authorized and regulated by Insurance Authority of the Hong Kong SAR.
ZA Bank Limited (‘ZA Bank’) is a licensed insurance agency (license number GA1009) authorized by ZA Insure and Generali.
All the above insurance products are not products of ZA Bank, bank deposits or bank savings plans.
Important risk statement
Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation, If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
^^ZA Bank was recognised as the “Virtual Bank of the Year – Consumer (Hong Kong)” in 2023 by The Asset, a widely recognised business news and research organisation, delivering authoritative, unbiased and independent coverage on Asia’s financial industry. For more information, please visit: https://www.theasset.com/awards-single/digital-awards.
^^^ZA Bank was recognised as the "Best Neo Bank - Hong Kong" in 2022 by International Finance, a premium business and finance magazine published by UK’s International Finance Publications Limited. For more information, please visit https://awards.internationalfinance.com/.
&The time needed for account opening is subject to actual circumstances. In general, provided that no extra information is required, an user can open an account in as fast as 2 minutes.
*Data is as of 31 August 2023.

+Data is as of 31 December 2023.

#To cater to everyone's financial needs, such as spending and wealth management, ZA Bank is offering exclusive banking services in Hong Kong.
♣ Overseas cash withdrawal may incur handling fees.
†Rate-up coupon is subject to its terms and conditions, and users should reference to the relevant terms and conditions before use. For details of the rate-up coupon, please refer to the relevant terms and conditions.
‡‡ Each eligible spending transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance ("Chance"), and will not be entitled to other ZA Card rebate offers. All Chances are valid for 48 hours. Each Chance may give a rebate up to 200% of the transaction amount or other designated rewards. Probability of each reward is not evenly distributed. Rebate is in a form of ZA Coin. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. The rebate is capped at 1,000,000 ZA Coin (or HKD 10,000) per transaction. Terms and conditions apply.
@Wise pulls the exchange rates from independent sources including Reuters, XE and Google to provide mid-market rates in real time, which is the midpoint between the buy and sell rates on the global currency markets. Neither Wise nor ZA Bank charge any fees for curreny exchange.
$https://wise.com/gb/blog/q3-2022-mission-update-speed
% "MDRT" stands for "Million Dollar Round Table". For more information, please visit mdrt.org.
¶The Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example, where the loan amount is HKD1,000,000, with repayment tenor of 12 months and monthly flat rate 0.081%. Please refer to the interest rate & monthly repayment table shown during loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks, and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
♠This approval result is preliminary. Users are required to submit proof documents before receiving the final result. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result by applying via ZA Bank website in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in “Loan” tab after logging into ZA Bank App. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
♦The time needed for investment account opening is subject to actual circumstances. In general, provided that no extra information is required, an existing ZA Bank user can open an investment account and complete fund subscriptions in as fast as 1 minutes.
* From 26 February 2024 to 31 July 2024, successfully open US stock trading services to get an extra +1% p.a. USD savings rate up coupon, applicable to savings balance of USD 10,000 or below with expiry on 31 July 2024. In addition, per stock transaction with amount equal to or above USD300, you can get a +0.2% p.a. USD savings rate up coupon, applicable to savings balance of USD 10,000 or below with expiry on the last calendar day of the month (the month you receive the rate up coupon). During the promotion period, you may get the savings rate up coupons with maximum 10% p.a. extra savings interest rate for USD savings per month by completing multiple stock transactions in the same month, the extra USD savings annual interest rate is applicable on top of the USD savings basic annual interest rate. Terms and conditions apply.
** The commission of other banks is calculated based on the average US Stock commission charges of 11 Hong Kong banks. Data as of 20 February 2024.
*** Real-time quotes are only available for non-professional subscribers who have successfully opened investment accounts. Professional Subscribers are only displayed with 15-minute-delayed quotes.
Important Notes
ZA Life Limited (with business name as ‘ZA Insure’) and Generali Life (Hong Kong) Limited (“Generali”) are authorized and regulated by Insurance Authority of the Hong Kong SAR.
ZA Bank Limited (‘ZA Bank’) is a licensed insurance agency (license number GA1009) authorized by ZA Insure and Generali.
All the above insurance products are not products of ZA Bank, bank deposits or bank savings plans.
Important risk statement
Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation, If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
^^ZA Bank was recognised as the “Virtual Bank of the Year – Consumer (Hong Kong)” in 2023 by The Asset, a widely recognised business news and research organisation, delivering authoritative, unbiased and independent coverage on Asia’s financial industry. For more information, please visit: https://www.theasset.com/awards-single/digital-awards.
^^^ZA Bank was recognised as the "Best Neo Bank - Hong Kong" in 2022 by International Finance, a premium business and finance magazine published by UK’s International Finance Publications Limited. For more information, please visit https://awards.internationalfinance.com/.
&The time needed for account opening is subject to actual circumstances. In general, provided that no extra information is required, an user can open an account in as fast as 2 minutes.
*Data is as of 31 August 2023.

+Data is as of 31 December 2023.

#To cater to everyone's financial needs, such as spending and wealth management, ZA Bank is offering exclusive banking services in Hong Kong.
♣ Overseas cash withdrawal may incur handling fees.
†Rate-up coupon is subject to its terms and conditions, and users should reference to the relevant terms and conditions before use. For details of the rate-up coupon, please refer to the relevant terms and conditions.
‡‡ Each eligible spending transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance ("Chance"), and will not be entitled to other ZA Card rebate offers. All Chances are valid for 48 hours. Each Chance may give a rebate up to 200% of the transaction amount or other designated rewards. Probability of each reward is not evenly distributed. Rebate is in a form of ZA Coin. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. The rebate is capped at 1,000,000 ZA Coin (or HKD 10,000) per transaction. Terms and conditions apply.
@Wise pulls the exchange rates from independent sources including Reuters, XE and Google to provide mid-market rates in real time, which is the midpoint between the buy and sell rates on the global currency markets. Neither Wise nor ZA Bank charge any fees for curreny exchange.
$https://wise.com/gb/blog/q3-2022-mission-update-speed
% "MDRT" stands for "Million Dollar Round Table". For more information, please visit mdrt.org.
¶The Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example, where the loan amount is HKD1,000,000, with repayment tenor of 12 months and monthly flat rate 0.081%. Please refer to the interest rate & monthly repayment table shown during loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks, and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
♠This approval result is preliminary. Users are required to submit proof documents before receiving the final result. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result by applying via ZA Bank website in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in “Loan” tab after logging into ZA Bank App. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
♦The time needed for investment account opening is subject to actual circumstances. In general, provided that no extra information is required, an existing ZA Bank user can open an investment account and complete fund subscriptions in as fast as 1 minutes.
* From 26 February 2024 to 31 July 2024, successfully open US stock trading services to get an extra +1% p.a. USD savings rate up coupon, applicable to savings balance of USD 10,000 or below with expiry on 31 July 2024. In addition, per stock transaction with amount equal to or above USD300, you can get a +0.2% p.a. USD savings rate up coupon, applicable to savings balance of USD 10,000 or below with expiry on the last calendar day of the month (the month you receive the rate up coupon). During the promotion period, you may get the savings rate up coupons with maximum 10% p.a. extra savings interest rate for USD savings per month by completing multiple stock transactions in the same month, the extra USD savings annual interest rate is applicable on top of the USD savings basic annual interest rate. Terms and conditions apply.
** The commission of other banks is calculated based on the average US Stock commission charges of 11 Hong Kong banks. Data as of 20 February 2024.
*** Real-time quotes are only available for non-professional subscribers who have successfully opened investment accounts. Professional Subscribers are only displayed with 15-minute-delayed quotes.
Important Notes
ZA Life Limited (with business name as ‘ZA Insure’) and Generali Life (Hong Kong) Limited (“Generali”) are authorized and regulated by Insurance Authority of the Hong Kong SAR.
ZA Bank Limited (‘ZA Bank’) is a licensed insurance agency (license number GA1009) authorized by ZA Insure and Generali.
All the above insurance products are not products of ZA Bank, bank deposits or bank savings plans.
Important risk statement
Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation, If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
^^ZA Bank was recognised as the “Virtual Bank of the Year – Consumer (Hong Kong)” in 2023 by The Asset, a widely recognised business news and research organisation, delivering authoritative, unbiased and independent coverage on Asia’s financial industry. For more information, please visit: https://www.theasset.com/awards-single/digital-awards.
^^^ZA Bank was recognised as the "Best Neo Bank - Hong Kong" in 2022 by International Finance, a premium business and finance magazine published by UK’s International Finance Publications Limited. For more information, please visit https://awards.internationalfinance.com/.
&The time needed for account opening is subject to actual circumstances. In general, provided that no extra information is required, an user can open an account in as fast as 2 minutes.
*Data is as of 31 August 2023.

+Data is as of 31 December 2023.

#To cater to everyone's financial needs, such as spending and wealth management, ZA Bank is offering exclusive banking services in Hong Kong.
♣ Overseas cash withdrawal may incur handling fees.
†Rate-up coupon is subject to its terms and conditions, and users should reference to the relevant terms and conditions before use. For details of the rate-up coupon, please refer to the relevant terms and conditions.
‡‡ Each eligible spending transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance ("Chance"), and will not be entitled to other ZA Card rebate offers. All Chances are valid for 48 hours. Each Chance may give a rebate up to 200% of the transaction amount or other designated rewards. Probability of each reward is not evenly distributed. Rebate is in a form of ZA Coin. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. The rebate is capped at 1,000,000 ZA Coin (or HKD 10,000) per transaction. Terms and conditions apply.
@Wise pulls the exchange rates from independent sources including Reuters, XE and Google to provide mid-market rates in real time, which is the midpoint between the buy and sell rates on the global currency markets. Neither Wise nor ZA Bank charge any fees for curreny exchange.
$https://wise.com/gb/blog/q3-2022-mission-update-speed
% "MDRT" stands for "Million Dollar Round Table". For more information, please visit mdrt.org.
¶The Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example, where the loan amount is HKD1,000,000, with repayment tenor of 12 months and monthly flat rate 0.081%. Please refer to the interest rate & monthly repayment table shown during loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks, and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
♠This approval result is preliminary. Users are required to submit proof documents before receiving the final result. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result by applying via ZA Bank website in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in “Loan” tab after logging into ZA Bank App. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
♦The time needed for investment account opening is subject to actual circumstances. In general, provided that no extra information is required, an existing ZA Bank user can open an investment account and complete fund subscriptions in as fast as 1 minutes.
* From 26 February 2024 to 31 July 2024, successfully open US stock trading services to get an extra +1% p.a. USD savings rate up coupon, applicable to savings balance of USD 10,000 or below with expiry on 31 July 2024. In addition, per stock transaction with amount equal to or above USD300, you can get a +0.2% p.a. USD savings rate up coupon, applicable to savings balance of USD 10,000 or below with expiry on the last calendar day of the month (the month you receive the rate up coupon). During the promotion period, you may get the savings rate up coupons with maximum 10% p.a. extra savings interest rate for USD savings per month by completing multiple stock transactions in the same month, the extra USD savings annual interest rate is applicable on top of the USD savings basic annual interest rate. Terms and conditions apply.
** The commission of other banks is calculated based on the average US Stock commission charges of 11 Hong Kong banks. Data as of 20 February 2024.
*** Real-time quotes are only available for non-professional subscribers who have successfully opened investment accounts. Professional Subscribers are only displayed with 15-minute-delayed quotes.
Open an account in as fast as 2 minutes&
Open an account now if you want to experience a whole new way of banking!
Open an account in as fast as 2 minutes&
Open an account now if you want to experience a whole new way of banking!
Open an account in as fast as 2 minutes&
Open an account now if you want to experience a whole new way of banking!
Open an account in as fast as 2 minutes&
Open an account now if you want to experience a whole new way of banking!