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

ZA Welcome offers^#

Want to earn up to 4% p.a. time deposit rate ^(a) ? We're now offering it for your business accounts!

After successfully open a Business Banking account online，you may claim a 3.3% p.a. USD time deposit rate-up coupon, a 3.4% p.a. HKD time deposit rate-up coupon and FX 50% spread discount coupons pack ^(b)from a designated bank page ^(c).

ZA Welcome offers^#

Want to earn up to 4% p.a. time deposit rate ^(a) ? We're now offering it for your business accounts!

After successfully open a Business Banking account online，you may claim a 3.3% p.a. USD time deposit rate-up coupon, a 3.4% p.a. HKD time deposit rate-up coupon and FX 50% spread discount coupons pack ^(b)from a designated bank page ^(c).

ZA Welcome offers^#

Want to earn up to 4% p.a. time deposit rate ^(a) ? We're now offering it for your business accounts!

After successfully open a Business Banking account online，you may claim a 3.3% p.a. USD time deposit rate-up coupon, a 3.4% p.a. HKD time deposit rate-up coupon and FX 50% spread discount coupons pack ^(b)from a designated bank page ^(c).

ZA Welcome offers^#

Want to earn up to 4% p.a. time deposit rate ^(a) ? We're now offering it for your business accounts!

After successfully open a Business Banking account online，you may claim a 3.3% p.a. USD time deposit rate-up coupon, a 3.4% p.a. HKD time deposit rate-up coupon and FX 50% spread discount coupons pack ^(b)from a designated bank page ^(c).

(a)For time deposit, you may get (i) a +3.3% p.a. 1-month USD Time Deposit Rate-up Coupon and (ii) a +3.4% p.a. 1-month HKD Time Deposit Rate-up Coupon, and you can enjoy up to 4% p.a. with current basic time deposit interest rate of 0.75% p.a. (for USD)* and 0.635% p.a. (for HKD)*. The Rate-up Coupon is applicable to the deposit amount of USD 5,000 – 500,000 and HKD 10,000 – 1,000,000 respectively.

*The above basic time deposit annual interest rates is effective on 12 December 2023 and are for reference only. They will be subject to changes as per the prevailing market conditions, and the actual applicable interest rate shown on the time deposit transaction page shall be referred.

(b)FX 50% Spread Discount coupons are applicable to FX transactions in:
（1）1.applicable for currency exchange from CNY to HKD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of HKD 150,000 or above.
（2）1.applicable for currency exchange from USD to HKD. 2. applicable to input selling amount of USD 20,000 or above, or to input buying amount of HKD 150,000 or above;
（3）1.applicable for currency exchange from CNY to USD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of USD 20,000 or above;
（4）1.applicable for currency exchange from HKD to USD. 2. applicable to input selling amount of HKD 150,000 or above, or to input buying amount of USD 20,000 or above.

(c)Participant will receive email notification after eligibility is confirmed. Participant should follow the direction stated in the email to claim the Rewards from designated webpage with the Business banking accounts maintained with ZA Bank. The Rewards not claimed within the Programme Period will not be reissued.

Foreign Exchange involves Exchange Rate Risk. Terms and Conditions apply.

(a)For time deposit, you may get (i) a +3.3% p.a. 1-month USD Time Deposit Rate-up Coupon and (ii) a +3.4% p.a. 1-month HKD Time Deposit Rate-up Coupon, and you can enjoy up to 4% p.a. with current basic time deposit interest rate of 0.75% p.a. (for USD)* and 0.635% p.a. (for HKD)*. The Rate-up Coupon is applicable to the deposit amount of USD 5,000 – 500,000 and HKD 10,000 – 1,000,000 respectively.

*The above basic time deposit annual interest rates is effective on 12 December 2023 and are for reference only. They will be subject to changes as per the prevailing market conditions, and the actual applicable interest rate shown on the time deposit transaction page shall be referred.

(b)FX 50% Spread Discount coupons are applicable to FX transactions in:
（1）1.applicable for currency exchange from CNY to HKD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of HKD 150,000 or above.
（2）1.applicable for currency exchange from USD to HKD. 2. applicable to input selling amount of USD 20,000 or above, or to input buying amount of HKD 150,000 or above;
（3）1.applicable for currency exchange from CNY to USD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of USD 20,000 or above;
（4）1.applicable for currency exchange from HKD to USD. 2. applicable to input selling amount of HKD 150,000 or above, or to input buying amount of USD 20,000 or above.

(c)Participant will receive email notification after eligibility is confirmed. Participant should follow the direction stated in the email to claim the Rewards from designated webpage with the Business banking accounts maintained with ZA Bank. The Rewards not claimed within the Programme Period will not be reissued.

Foreign Exchange involves Exchange Rate Risk. Terms and Conditions apply.

(a)For time deposit, you may get (i) a +3.3% p.a. 1-month USD Time Deposit Rate-up Coupon and (ii) a +3.4% p.a. 1-month HKD Time Deposit Rate-up Coupon, and you can enjoy up to 4% p.a. with current basic time deposit interest rate of 0.75% p.a. (for USD)* and 0.635% p.a. (for HKD)*. The Rate-up Coupon is applicable to the deposit amount of USD 5,000 – 500,000 and HKD 10,000 – 1,000,000 respectively.

*The above basic time deposit annual interest rates is effective on 12 December 2023 and are for reference only. They will be subject to changes as per the prevailing market conditions, and the actual applicable interest rate shown on the time deposit transaction page shall be referred.

(b)FX 50% Spread Discount coupons are applicable to FX transactions in:
（1）1.applicable for currency exchange from CNY to HKD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of HKD 150,000 or above.
（2）1.applicable for currency exchange from USD to HKD. 2. applicable to input selling amount of USD 20,000 or above, or to input buying amount of HKD 150,000 or above;
（3）1.applicable for currency exchange from CNY to USD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of USD 20,000 or above;
（4）1.applicable for currency exchange from HKD to USD. 2. applicable to input selling amount of HKD 150,000 or above, or to input buying amount of USD 20,000 or above.

(c)Participant will receive email notification after eligibility is confirmed. Participant should follow the direction stated in the email to claim the Rewards from designated webpage with the Business banking accounts maintained with ZA Bank. The Rewards not claimed within the Programme Period will not be reissued.

Foreign Exchange involves Exchange Rate Risk. Terms and Conditions apply.

(a)For time deposit, you may get (i) a +3.3% p.a. 1-month USD Time Deposit Rate-up Coupon and (ii) a +3.4% p.a. 1-month HKD Time Deposit Rate-up Coupon, and you can enjoy up to 4% p.a. with current basic time deposit interest rate of 0.75% p.a. (for USD)* and 0.635% p.a. (for HKD)*. The Rate-up Coupon is applicable to the deposit amount of USD 5,000 – 500,000 and HKD 10,000 – 1,000,000 respectively.

*The above basic time deposit annual interest rates is effective on 12 December 2023 and are for reference only. They will be subject to changes as per the prevailing market conditions, and the actual applicable interest rate shown on the time deposit transaction page shall be referred.

(b)FX 50% Spread Discount coupons are applicable to FX transactions in:
（1）1.applicable for currency exchange from CNY to HKD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of HKD 150,000 or above.
（2）1.applicable for currency exchange from USD to HKD. 2. applicable to input selling amount of USD 20,000 or above, or to input buying amount of HKD 150,000 or above;
（3）1.applicable for currency exchange from CNY to USD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of USD 20,000 or above;
（4）1.applicable for currency exchange from HKD to USD. 2. applicable to input selling amount of HKD 150,000 or above, or to input buying amount of USD 20,000 or above.

(c)Participant will receive email notification after eligibility is confirmed. Participant should follow the direction stated in the email to claim the Rewards from designated webpage with the Business banking accounts maintained with ZA Bank. The Rewards not claimed within the Programme Period will not be reissued.

Foreign Exchange involves Exchange Rate Risk. Terms and Conditions apply.

Say goodbye to traditional process and long waiting times!

Express online application

As fast as 6 minutes¹! No need for face-to-face meeting and document submission².

Express account opening

The entire process can be completed online³ in as fast as 1 working day¹!

Start-up Friendly

Even if you have been in business for less than a year, you can still open an account.

Banking for Web3

Give your Web3-related business a head start with a simple and speedy account opening experience.

Say goodbye to traditional process and long waiting times!

Express online application

As fast as 6 minutes¹! No need for face-to-face meeting and document submission².

Express account opening

The entire process can be completed online³ in as fast as 1 working day¹!

Start-up Friendly

Even if you have been in business for less than a year, you can still open an account.

Banking for Web3

Give your Web3-related business a head start with a simple and speedy account opening experience.

Say goodbye to traditional process and long waiting times!

Express online application

As fast as 6 minutes¹! No need for face-to-face meeting and document submission².

Express account opening

The entire process can be completed online³ in as fast as 1 working day¹!

Start-up Friendly

Even if you have been in business for less than a year, you can still open an account.

Banking for Web3

Give your Web3-related business a head start with a simple and speedy account opening experience.

Say goodbye to traditional process and long waiting times!

Express online application

As fast as 6 minutes¹! No need for face-to-face meeting and document submission².

Express account opening

The entire process can be completed online³ in as fast as 1 working day¹!

Start-up Friendly

Even if you have been in business for less than a year, you can still open an account.

Banking for Web3

Give your Web3-related business a head start with a simple and speedy account opening experience.

Express Account Opening

Need speed? We go fast, so that your business can hit the ground running. Say goodbye to traditional account opening processes and never wait around again.
Complete your application in as fast as 6 minutes¹, and open an account in as fast as 1 working day¹!

Continue/Enquiry

SME-Friendly Foreign Exchange

Are you in the big leagues, or still growing? Export-import business? Lots of trading? It doesn’t matter – you get a level playing field with us. We’ve got your back with our foreign exchange service, with great rates for all.
Real-time quotation
Instantly exchange your currency
Uninterrupted 24/7 service, day or night

Small Business Loan

We get you. It can be difficult for a startup to get funding when you’re still starting out. We were once a startup too – and now, we’re here to give your business wings to fly.
A max loan amount of HKD 4,000,000!
Businesses that have reached their first birthday are eligible to apply!
The Small Business Loan is also backed by the SME Financing Guarantee Scheme launched by the HKMC Insurance Limited.

Not quite what you wanted? If you have different needs, we have other types of loans waiting for you too! Click here to explore more.

To borrow or not to borrow? Borrow only if you can repay.

Global Payments X ZA Business Loan

Exclusively available for selected Global Payments ⁴clients : Apply for bank loan immediately to support your company’s daily operations.
Pre-approved loan⁵
Maximum loan amount: HK$4 millions⁵
No submission of bank statements and financial reports

For the eligibility and related details, please contact Global Payments customer service hotline: 2969 9888

To borrow or not to borrow? Borrow only if you can repay.

24/7 Time Deposit

Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime.
24/7 Placement
Wide Range of Tenors
Stable Return

Interest Rate Inquiry

Transfer and Payment

Low Handling Fee
Hassle-free
Local Funds Transfer - FPS / CHATS
Overseas remittance

Express Account Opening

Need speed? We go fast, so that your business can hit the ground running. Say goodbye to traditional account opening processes and never wait around again.
Complete your application in as fast as 6 minutes¹, and open an account in as fast as 1 working day¹!

Continue/Enquiry

SME-Friendly Foreign Exchange

Are you in the big leagues, or still growing? Export-import business? Lots of trading? It doesn’t matter – you get a level playing field with us. We’ve got your back with our foreign exchange service, with great rates for all.
Real-time quotation
Instantly exchange your currency
Uninterrupted 24/7 service, day or night

Small Business Loan

We get you. It can be difficult for a startup to get funding when you’re still starting out. We were once a startup too – and now, we’re here to give your business wings to fly.
A max loan amount of HKD 4,000,000!
Businesses that have reached their first birthday are eligible to apply!
The Small Business Loan is also backed by the SME Financing Guarantee Scheme launched by the HKMC Insurance Limited.

Not quite what you wanted? If you have different needs, we have other types of loans waiting for you too! Click here to explore more.

To borrow or not to borrow? Borrow only if you can repay.

Global Payments X ZA Business Loan

Exclusively available for selected Global Payments ⁴clients : Apply for bank loan immediately to support your company’s daily operations.
Pre-approved loan⁵
Maximum loan amount: HK$4 millions⁵
No submission of bank statements and financial reports

For the eligibility and related details, please contact Global Payments customer service hotline: 2969 9888

To borrow or not to borrow? Borrow only if you can repay.

24/7 Time Deposit

Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime.
24/7 Placement
Wide Range of Tenors
Stable Return

Interest Rate Inquiry

Transfer and Payment

Low Handling Fee
Hassle-free
Local Funds Transfer - FPS / CHATS
Overseas remittance

Express Account Opening

Need speed? We go fast, so that your business can hit the ground running. Say goodbye to traditional account opening processes and never wait around again.
Complete your application in as fast as 6 minutes¹, and open an account in as fast as 1 working day¹!

Continue/Enquiry

SME-Friendly Foreign Exchange

Are you in the big leagues, or still growing? Export-import business? Lots of trading? It doesn’t matter – you get a level playing field with us. We’ve got your back with our foreign exchange service, with great rates for all.
Real-time quotation
Instantly exchange your currency
Uninterrupted 24/7 service, day or night

Small Business Loan

We get you. It can be difficult for a startup to get funding when you’re still starting out. We were once a startup too – and now, we’re here to give your business wings to fly.
A max loan amount of HKD 4,000,000!
Businesses that have reached their first birthday are eligible to apply!
The Small Business Loan is also backed by the SME Financing Guarantee Scheme launched by the HKMC Insurance Limited.

Not quite what you wanted? If you have different needs, we have other types of loans waiting for you too! Click here to explore more.

To borrow or not to borrow? Borrow only if you can repay.

Global Payments X ZA Business Loan

Exclusively available for selected Global Payments ⁴clients : Apply for bank loan immediately to support your company’s daily operations.
Pre-approved loan⁵
Maximum loan amount: HK$4 millions⁵
No submission of bank statements and financial reports

For the eligibility and related details, please contact Global Payments customer service hotline: 2969 9888

To borrow or not to borrow? Borrow only if you can repay.

24/7 Time Deposit

Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime.
24/7 Placement
Wide Range of Tenors
Stable Return

Interest Rate Inquiry

Transfer and Payment

Low Handling Fee
Hassle-free
Local Funds Transfer - FPS / CHATS
Overseas remittance

Express Account Opening

Need speed? We go fast, so that your business can hit the ground running. Say goodbye to traditional account opening processes and never wait around again.
Complete your application in as fast as 6 minutes¹, and open an account in as fast as 1 working day¹!

Continue/Enquiry

SME-Friendly Foreign Exchange

Are you in the big leagues, or still growing? Export-import business? Lots of trading? It doesn’t matter – you get a level playing field with us. We’ve got your back with our foreign exchange service, with great rates for all.
Real-time quotation
Instantly exchange your currency
Uninterrupted 24/7 service, day or night

Small Business Loan

We get you. It can be difficult for a startup to get funding when you’re still starting out. We were once a startup too – and now, we’re here to give your business wings to fly.
A max loan amount of HKD 4,000,000!
Businesses that have reached their first birthday are eligible to apply!
The Small Business Loan is also backed by the SME Financing Guarantee Scheme launched by the HKMC Insurance Limited.

Not quite what you wanted? If you have different needs, we have other types of loans waiting for you too! Click here to explore more.

To borrow or not to borrow? Borrow only if you can repay.

Global Payments X ZA Business Loan

Exclusively available for selected Global Payments ⁴clients : Apply for bank loan immediately to support your company’s daily operations.
Pre-approved loan⁵
Maximum loan amount: HK$4 millions⁵
No submission of bank statements and financial reports

For the eligibility and related details, please contact Global Payments customer service hotline: 2969 9888

To borrow or not to borrow? Borrow only if you can repay.

24/7 Time Deposit

Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime.
24/7 Placement
Wide Range of Tenors
Stable Return

Interest Rate Inquiry

Transfer and Payment

Low Handling Fee
Hassle-free
Local Funds Transfer - FPS / CHATS
Overseas remittance

Security Alert

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.

Security Alert

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.

Security Alert

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.

Security Alert

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 as the first virtual bank in Hong Kong 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 as the first virtual bank in Hong Kong 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 as the first virtual bank in Hong Kong 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 as the first virtual bank in Hong Kong 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.

¹1The actual turnaround time may vary depending on the circumstances of each individual application.There is a HKD 1,500 fee to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

²Subject to the internal review for account opening imposed by ZA Bank.

³Transaction limit will be applied to accounts opened online. Upon successful account opening, the maximum daily amount for third-party transfer is HKD 500,000 (or equivalent), subject to the monthly maximum transfer limit of HKD 5,000,000 (or equivalent). There is a HKD 1,500 fee to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

⁴Global Payments Asia-Pacific (Hong Kong) Limited is not an intermediary of ZA Bank Limited.

⁵The pre-approved loan offer is indicative only. The final loan amount and interest rate is subject to change based on ZA Bank’s credit assessment of individual cases. The availability of the loan is subject to final bank approval so ZA Bank has the right to approve an amount lower than the pre-approved amount or reject the application without giving any reason.

^#ZA Bank Limited Business Banking Online Account Opening – ZA Welcome Offers.Terms and Conditions apply.
1 From 13 June 2024 to 13 September 2024 (“Programme Period”)，Participants who (1) have successfully opened a ZA Bank Business Banking account through online channel, (2) passed the internal review for account opening imposed by ZA Bank, (3) successfully paid HKD 1,200 account opening fee and HKD 300 company search fee and (4) fulfilled additional requirements imposed by ZA Bank, will be eligible to get all of the ZA welcome offer (“Rewards”) below:
1）a USD time deposit rate-up coupon: +3.3% p.a. 1-month USD Time Deposit Rate-up Coupon, The Rate-up Coupon is applicable to the deposit amount of USD 5,000 – 500,000
2）a HKD time deposit rate-up coupon: +3.4% p.a. 1-month HKD Time Deposit Rate-up Coupon, The Rate-up Coupon is applicable to the deposit amount of HKD 10,000 – 1,000,000
3）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from CNY to HKD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of HKD 150,000 or above.
4）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from USD to HKD. 2. applicable to input selling amount of USD 20,000 or above, or to input buying amount of HKD 150,000 or above.
5）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from CNY to USD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of USD 20,000 or above.
6）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from HKD to USD. 2. applicable to input selling amount of HKD 150,000 or above, or to input buying amount of USD 20,000 or above.
Business Banking Time deposit rate-up coupon is subject to its  terms and conditions and Business Banking Currency Exchange Spread Discount Coupon is subject to its  terms and conditions. Participants should reference to the relevant terms and conditions before use.
2 On top of the basic time deposit annual interest rate of 0.75% for USD and 0.635% for HKD, you can enjoy 1-month USD/HKD time deposit interest rate of up to 4% p.a. for eligible deposit with coupon used. The above basic time deposit annual interest rates is effective on 12 December 2023 and are for reference only. They are subject to changes as per the prevailing market conditions, and the actual applicable interest rate shown on the time deposit transaction page shall be referred.
3 Participant will receive email notification after eligibility is confirmed. Participant should follow the direction stated in the email to claim the Rewards from designated webpage with the Business banking accounts maintained with ZA Bank. The Rewards not claimed within the Programme Period will not be reissued.

Important Risk Disclosure：Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts foreign currency to HKD/other foreign currencies or vice versa.

To borrow or not to borrow? Borrow only if you can repay!

¹1The actual turnaround time may vary depending on the circumstances of each individual application.There is a HKD 1,500 fee to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

²Subject to the internal review for account opening imposed by ZA Bank.

³Transaction limit will be applied to accounts opened online. Upon successful account opening, the maximum daily amount for third-party transfer is HKD 500,000 (or equivalent), subject to the monthly maximum transfer limit of HKD 5,000,000 (or equivalent). There is a HKD 1,500 fee to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

⁴Global Payments Asia-Pacific (Hong Kong) Limited is not an intermediary of ZA Bank Limited.

⁵The pre-approved loan offer is indicative only. The final loan amount and interest rate is subject to change based on ZA Bank’s credit assessment of individual cases. The availability of the loan is subject to final bank approval so ZA Bank has the right to approve an amount lower than the pre-approved amount or reject the application without giving any reason.

^#ZA Bank Limited Business Banking Online Account Opening – ZA Welcome Offers.Terms and Conditions apply.
1 From 13 June 2024 to 13 September 2024 (“Programme Period”)，Participants who (1) have successfully opened a ZA Bank Business Banking account through online channel, (2) passed the internal review for account opening imposed by ZA Bank, (3) successfully paid HKD 1,200 account opening fee and HKD 300 company search fee and (4) fulfilled additional requirements imposed by ZA Bank, will be eligible to get all of the ZA welcome offer (“Rewards”) below:
1）a USD time deposit rate-up coupon: +3.3% p.a. 1-month USD Time Deposit Rate-up Coupon, The Rate-up Coupon is applicable to the deposit amount of USD 5,000 – 500,000
2）a HKD time deposit rate-up coupon: +3.4% p.a. 1-month HKD Time Deposit Rate-up Coupon, The Rate-up Coupon is applicable to the deposit amount of HKD 10,000 – 1,000,000
3）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from CNY to HKD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of HKD 150,000 or above.
4）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from USD to HKD. 2. applicable to input selling amount of USD 20,000 or above, or to input buying amount of HKD 150,000 or above.
5）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from CNY to USD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of USD 20,000 or above.
6）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from HKD to USD. 2. applicable to input selling amount of HKD 150,000 or above, or to input buying amount of USD 20,000 or above.
Business Banking Time deposit rate-up coupon is subject to its  terms and conditions and Business Banking Currency Exchange Spread Discount Coupon is subject to its  terms and conditions. Participants should reference to the relevant terms and conditions before use.
2 On top of the basic time deposit annual interest rate of 0.75% for USD and 0.635% for HKD, you can enjoy 1-month USD/HKD time deposit interest rate of up to 4% p.a. for eligible deposit with coupon used. The above basic time deposit annual interest rates is effective on 12 December 2023 and are for reference only. They are subject to changes as per the prevailing market conditions, and the actual applicable interest rate shown on the time deposit transaction page shall be referred.
3 Participant will receive email notification after eligibility is confirmed. Participant should follow the direction stated in the email to claim the Rewards from designated webpage with the Business banking accounts maintained with ZA Bank. The Rewards not claimed within the Programme Period will not be reissued.

Important Risk Disclosure：Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts foreign currency to HKD/other foreign currencies or vice versa.

To borrow or not to borrow? Borrow only if you can repay!

¹1The actual turnaround time may vary depending on the circumstances of each individual application.There is a HKD 1,500 fee to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

²Subject to the internal review for account opening imposed by ZA Bank.

³Transaction limit will be applied to accounts opened online. Upon successful account opening, the maximum daily amount for third-party transfer is HKD 500,000 (or equivalent), subject to the monthly maximum transfer limit of HKD 5,000,000 (or equivalent). There is a HKD 1,500 fee to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

⁴Global Payments Asia-Pacific (Hong Kong) Limited is not an intermediary of ZA Bank Limited.

⁵The pre-approved loan offer is indicative only. The final loan amount and interest rate is subject to change based on ZA Bank’s credit assessment of individual cases. The availability of the loan is subject to final bank approval so ZA Bank has the right to approve an amount lower than the pre-approved amount or reject the application without giving any reason.

^#ZA Bank Limited Business Banking Online Account Opening – ZA Welcome Offers.Terms and Conditions apply.
1 From 13 June 2024 to 13 September 2024 (“Programme Period”)，Participants who (1) have successfully opened a ZA Bank Business Banking account through online channel, (2) passed the internal review for account opening imposed by ZA Bank, (3) successfully paid HKD 1,200 account opening fee and HKD 300 company search fee and (4) fulfilled additional requirements imposed by ZA Bank, will be eligible to get all of the ZA welcome offer (“Rewards”) below:
1）a USD time deposit rate-up coupon: +3.3% p.a. 1-month USD Time Deposit Rate-up Coupon, The Rate-up Coupon is applicable to the deposit amount of USD 5,000 – 500,000
2）a HKD time deposit rate-up coupon: +3.4% p.a. 1-month HKD Time Deposit Rate-up Coupon, The Rate-up Coupon is applicable to the deposit amount of HKD 10,000 – 1,000,000
3）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from CNY to HKD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of HKD 150,000 or above.
4）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from USD to HKD. 2. applicable to input selling amount of USD 20,000 or above, or to input buying amount of HKD 150,000 or above.
5）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from CNY to USD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of USD 20,000 or above.
6）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from HKD to USD. 2. applicable to input selling amount of HKD 150,000 or above, or to input buying amount of USD 20,000 or above.
Business Banking Time deposit rate-up coupon is subject to its  terms and conditions and Business Banking Currency Exchange Spread Discount Coupon is subject to its  terms and conditions. Participants should reference to the relevant terms and conditions before use.
2 On top of the basic time deposit annual interest rate of 0.75% for USD and 0.635% for HKD, you can enjoy 1-month USD/HKD time deposit interest rate of up to 4% p.a. for eligible deposit with coupon used. The above basic time deposit annual interest rates is effective on 12 December 2023 and are for reference only. They are subject to changes as per the prevailing market conditions, and the actual applicable interest rate shown on the time deposit transaction page shall be referred.
3 Participant will receive email notification after eligibility is confirmed. Participant should follow the direction stated in the email to claim the Rewards from designated webpage with the Business banking accounts maintained with ZA Bank. The Rewards not claimed within the Programme Period will not be reissued.

Important Risk Disclosure：Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts foreign currency to HKD/other foreign currencies or vice versa.

To borrow or not to borrow? Borrow only if you can repay!

¹1The actual turnaround time may vary depending on the circumstances of each individual application.There is a HKD 1,500 fee to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

²Subject to the internal review for account opening imposed by ZA Bank.

³Transaction limit will be applied to accounts opened online. Upon successful account opening, the maximum daily amount for third-party transfer is HKD 500,000 (or equivalent), subject to the monthly maximum transfer limit of HKD 5,000,000 (or equivalent). There is a HKD 1,500 fee to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

⁴Global Payments Asia-Pacific (Hong Kong) Limited is not an intermediary of ZA Bank Limited.

⁵The pre-approved loan offer is indicative only. The final loan amount and interest rate is subject to change based on ZA Bank’s credit assessment of individual cases. The availability of the loan is subject to final bank approval so ZA Bank has the right to approve an amount lower than the pre-approved amount or reject the application without giving any reason.

^#ZA Bank Limited Business Banking Online Account Opening – ZA Welcome Offers.Terms and Conditions apply.
1 From 13 June 2024 to 13 September 2024 (“Programme Period”)，Participants who (1) have successfully opened a ZA Bank Business Banking account through online channel, (2) passed the internal review for account opening imposed by ZA Bank, (3) successfully paid HKD 1,200 account opening fee and HKD 300 company search fee and (4) fulfilled additional requirements imposed by ZA Bank, will be eligible to get all of the ZA welcome offer (“Rewards”) below:
1）a USD time deposit rate-up coupon: +3.3% p.a. 1-month USD Time Deposit Rate-up Coupon, The Rate-up Coupon is applicable to the deposit amount of USD 5,000 – 500,000
2）a HKD time deposit rate-up coupon: +3.4% p.a. 1-month HKD Time Deposit Rate-up Coupon, The Rate-up Coupon is applicable to the deposit amount of HKD 10,000 – 1,000,000
3）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from CNY to HKD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of HKD 150,000 or above.
4）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from USD to HKD. 2. applicable to input selling amount of USD 20,000 or above, or to input buying amount of HKD 150,000 or above.
5）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from CNY to USD. 2. applicable to input selling amount of CNY 150,000 or above, or to input buying amount of USD 20,000 or above.
6）a FX 50% Spread Discount coupon is 1.applicable for currency exchange from HKD to USD. 2. applicable to input selling amount of HKD 150,000 or above, or to input buying amount of USD 20,000 or above.
Business Banking Time deposit rate-up coupon is subject to its  terms and conditions and Business Banking Currency Exchange Spread Discount Coupon is subject to its  terms and conditions. Participants should reference to the relevant terms and conditions before use.
2 On top of the basic time deposit annual interest rate of 0.75% for USD and 0.635% for HKD, you can enjoy 1-month USD/HKD time deposit interest rate of up to 4% p.a. for eligible deposit with coupon used. The above basic time deposit annual interest rates is effective on 12 December 2023 and are for reference only. They are subject to changes as per the prevailing market conditions, and the actual applicable interest rate shown on the time deposit transaction page shall be referred.
3 Participant will receive email notification after eligibility is confirmed. Participant should follow the direction stated in the email to claim the Rewards from designated webpage with the Business banking accounts maintained with ZA Bank. The Rewards not claimed within the Programme Period will not be reissued.

Important Risk Disclosure：Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts foreign currency to HKD/other foreign currencies or vice versa.

To borrow or not to borrow? Borrow only if you can repay!