About ZA Bank
Hong Kong’s No.1 [1] Virtual Bank
ZA Bank has gained the support of more than 400,000 users as of 31 July 2021, becoming the largest virtual bank in terms of user base.
Open an account in as fast as 5 mins
24/7 for you, whenever you need
We offer a suites of banking services anytime and anywhere, including savings, time deposit loan and more.
Instant approval result
New bank users can get approval result in 90 seconds[3]
0.31% Savings rate by ZA Savings Go
Enjoy a different way to save with Savings Go. Earn as you deposit!
Get ZA Card to enjoy an array of rewards
Hong Kong’s first Visa card with personalised card number. Have a blast and spend wisely.
Free cash withdrawal at over 3,000 local banks' ATMs
Supported by Visa, you can enjoy free cash withdrawal at over 3,000 local banks' ATMs in HK, and access to almost 3 million ATMs worldwide.
[ 1 ] As the first digital bank to launch in Hong Kong, ZA Bank had the highest number of users and customer deposits among the city’s eight digital banks as of 30 June 2024. Source: Interim reports of 8 digital banks.
[2] The Annualised Percentage Rate (‘APR’) of 1.99% is calculated based on a loan amount of HKD200,000 or above and a repayment tenor of 6 - 36 months. The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.
[ 3 ] Input designated promo code during Instalment Loan application on or before 30 April 2022 to redeem a Loan Discount Coupon. The coupon is applicable for Instalment Loan of HKD 50,000 or above and valid for 14 days after inputting the code. For a successful loan drawdown of HKD 200,000 or above with a tenor of 6 – 36 months, the APR is 1.79% after using the Loan Discount Coupon.
[ 4 ] The approval results are preliminary. Users are required to submit proof documents before receiving the final approval. The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can get the preliminary approval result within 90 seconds.
To borrow or not to borrow? Borrow only if you can repay!
