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ZA Life Limited (with business name as ‘ZA Insure’) is 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.

All the above insurance product(s) are not products of ZA Bank, bank deposits or bank savings plans, and are intended for sale in the jurisdiction of Hong Kong SAR only.

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.

&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 30 June 2024.

+Data is as of 31 December 2023.

♣ 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 1.30% is calculated based on an example, where the loan amount is HKD1,000,000, with repayment tenor of 12 months and monthly flat rate 0.0584%. 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 now until 30 June 2025 (both dates inclusive), individual customers who have opened an investment account with ZA Bank can enjoy the following offers on fund transactions: subscription fees are waived for money market funds, and are 0.5% for bond funds and 1% for other fund types, and redemption fees are waived for all funds. For details of the offers, please refer to the 'Investment Fund Service Fee Offer', which is subject to its terms and conditions.

** From 1 January 2025 to 31 December 2025, Eligible Customers can enjoy the brokerage fee of USD 0.012 per share with a minimum charge of USD 3.88 per order for trading any US Stocks. Terms and conditions apply. From 1 January 2025 to 31 December 2025, you can enjoy the safe custody fee waiver. Terms and conditions apply.

*** 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.

Crypto Disclaimer

Investment involves risks. Virtual asset is a new asset class and developed on the basis of new technology, involving unanticipated risks associated with acquisition, storage, transfer and use. Prices of virtual assets could be highly volatile and investors are reminded to pay extra caution when deciding to invest in virtual assets. The price of virtual assets 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 risk disclosure statements before making any investment decisions. 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. 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.

1. "Asia's First" refers to licensed banks in Asia (excluding West Asia) that, as of 21 November 2024, have a comprehensive regulatory framework for virtual assets and are members of FATF. This designation specifically applies to licensed banks that provide services for retail investors to trade cryptocurrencies directly using fiat currency through their main applications.

2. From 21 November 2024 until 31 December 2025 (both dates inclusive), customers who have activated the Crypto Trading Service with ZA Bank can enjoy a $0 commission offer for Crypto trading in the first 3 months upon activation, with no cap. Terms and conditions apply.