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As a licensed bank and “Your Future Bank for Now”, ZA Bank 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!

Say goodbye to traditional process and long waiting times!

HKD 0 account opening fee¹

Fee waiver for account opening and company search fee for online account opening.

Enjoy ZA Better FX Rates every day^{^}

As an example, if you exchange HKD 5 million for USD in a month, your business could save around HKD 10,000 that month.^*

Banking for international growth

Our currency exchange and transfer services are available in 11 currencies.

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!

HKD 0 account opening fee¹

Fee waiver for account opening and company search fee for online account opening.

Enjoy ZA Better FX Rates every day^{^}

As an example, if you exchange HKD 5 million for USD in a month, your business could save around HKD 10,000 that month.^*

Banking for international growth

Our currency exchange and transfer services are available in 11 currencies.

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!

HKD 0 account opening fee¹

Fee waiver for account opening and company search fee for online account opening.

Enjoy ZA Better FX Rates every day^{^}

As an example, if you exchange HKD 5 million for USD in a month, your business could save around HKD 10,000 that month.^*

Banking for international growth

Our currency exchange and transfer services are available in 11 currencies.

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!

HKD 0 account opening fee¹

Fee waiver for account opening and company search fee for online account opening.

Enjoy ZA Better FX Rates every day^{^}

As an example, if you exchange HKD 5 million for USD in a month, your business could save around HKD 10,000 that month.^*

Banking for international growth

Our currency exchange and transfer services are available in 11 currencies.

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

Eligibility Account Opening Guide Document Checklist for Business Account Opening

Your daily FX rates
made for better

Business Internet Banking displays our rates^& alongside those from other designated banks^#, allowing you to compare them in real-time and find the best deal^%. You won't need to waste time negotiating anymore!

Unlock ZA Better FX Rates for your business now!

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.

Multi-Currency Deposit

A choice of 11 savings currencies to facilitate your cross-border trading activities.
Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime.
24 x 7 Placement
Wide Range of Tenors
Stable Return

Interest Rate Inquiry

Transfer and Payment

Low Handling Fee
Hassle-free
Local Funds Transfer - FPS / CHATS ²
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

Eligibility Account Opening Guide Document Checklist for Business Account Opening

Your daily FX rates
made for better

Business Internet Banking displays our rates^& alongside those from other designated banks^#, allowing you to compare them in real-time and find the best deal^%. You won't need to waste time negotiating anymore!

Unlock ZA Better FX Rates for your business now!

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.

Multi-Currency Deposit

A choice of 11 savings currencies to facilitate your cross-border trading activities.
Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime.
24 x 7 Placement
Wide Range of Tenors
Stable Return

Interest Rate Inquiry

Transfer and Payment

Low Handling Fee
Hassle-free
Local Funds Transfer - FPS / CHATS ²
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

Eligibility Account Opening Guide Document Checklist for Business Account Opening

Your daily FX rates
made for better

Business Internet Banking displays our rates^& alongside those from other designated banks^#, allowing you to compare them in real-time and find the best deal^%. You won't need to waste time negotiating anymore!

Unlock ZA Better FX Rates for your business now!

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.

Multi-Currency Deposit

A choice of 11 savings currencies to facilitate your cross-border trading activities.
Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime.
24 x 7 Placement
Wide Range of Tenors
Stable Return

Interest Rate Inquiry

Transfer and Payment

Low Handling Fee
Hassle-free
Local Funds Transfer - FPS / CHATS ²
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

Eligibility Account Opening Guide Document Checklist for Business Account Opening

Your daily FX rates
made for better

Business Internet Banking displays our rates^& alongside those from other designated banks^#, allowing you to compare them in real-time and find the best deal^%. You won't need to waste time negotiating anymore!

Unlock ZA Better FX Rates for your business now!

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.

Multi-Currency Deposit

A choice of 11 savings currencies to facilitate your cross-border trading activities.
Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime.
24 x 7 Placement
Wide Range of Tenors
Stable Return

Interest Rate Inquiry

Transfer and Payment

Low Handling Fee
Hassle-free
Local Funds Transfer - FPS / CHATS ²
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 digital 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 digital 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 digital 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 digital 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 digital 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 digital 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 digital 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 digital 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.

¹ A prepayment of 12-months' service fee (HKD 1,500) is required to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

² For inward or outward transfers through CHATS, ZA Bank only supports HKD, USD and CNY. Local transfer in other currencies (if applicable) is supported by SWIFT (Telegraphic Transfer) only.

^# Designated banks refer to banks in comparison table displayed on Business Internet Banking Platform.

^& Rates refers to exchange rates between HKD and USD.

^% These exchange rates are for reference and will be displayed in Hong Kong working days only. You can review the actual exchange rates on other banks' websites or their Apps for a more accurate comparison. You should not rely solely on the comparison table to make foreign exchange transactions. We will not accept any responsibility or liability for any usage of the comparison table for any purposes. ZA Bank reserves the right to adjust or terminate the related services at any time without prior notice.

^{^} Every day refers to every working day in Hong Kong, excluding public holidays and weekends.

^* The saving amount is based on an exchange of HKD 5 million to USD in a month and is estimated using the average difference between the ZA Better FX Rates and the highest FX board rates offered by other designated banks at 10:00 from 13 to 19 November, 2025.

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

Important Risk Disclosure: Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency (including the Hong Kong Dollar).

¹ A prepayment of 12-months' service fee (HKD 1,500) is required to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

² For inward or outward transfers through CHATS, ZA Bank only supports HKD, USD and CNY. Local transfer in other currencies (if applicable) is supported by SWIFT (Telegraphic Transfer) only.

^# Designated banks refer to banks in comparison table displayed on Business Internet Banking Platform.

^& Rates refers to exchange rates between HKD and USD.

^% These exchange rates are for reference and will be displayed in Hong Kong working days only. You can review the actual exchange rates on other banks' websites or their Apps for a more accurate comparison. You should not rely solely on the comparison table to make foreign exchange transactions. We will not accept any responsibility or liability for any usage of the comparison table for any purposes. ZA Bank reserves the right to adjust or terminate the related services at any time without prior notice.

^{^} Every day refers to every working day in Hong Kong, excluding public holidays and weekends.

^* The saving amount is based on an exchange of HKD 5 million to USD in a month and is estimated using the average difference between the ZA Better FX Rates and the highest FX board rates offered by other designated banks at 10:00 from 13 to 19 November, 2025.

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

Important Risk Disclosure: Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency (including the Hong Kong Dollar).

¹ A prepayment of 12-months' service fee (HKD 1,500) is required to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

² For inward or outward transfers through CHATS, ZA Bank only supports HKD, USD and CNY. Local transfer in other currencies (if applicable) is supported by SWIFT (Telegraphic Transfer) only.

^# Designated banks refer to banks in comparison table displayed on Business Internet Banking Platform.

^& Rates refers to exchange rates between HKD and USD.

^% These exchange rates are for reference and will be displayed in Hong Kong working days only. You can review the actual exchange rates on other banks' websites or their Apps for a more accurate comparison. You should not rely solely on the comparison table to make foreign exchange transactions. We will not accept any responsibility or liability for any usage of the comparison table for any purposes. ZA Bank reserves the right to adjust or terminate the related services at any time without prior notice.

^{^} Every day refers to every working day in Hong Kong, excluding public holidays and weekends.

^* The saving amount is based on an exchange of HKD 5 million to USD in a month and is estimated using the average difference between the ZA Better FX Rates and the highest FX board rates offered by other designated banks at 10:00 from 13 to 19 November, 2025.

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

Important Risk Disclosure: Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency (including the Hong Kong Dollar).

¹ A prepayment of 12-months' service fee (HKD 1,500) is required to open a Business Banking account online. For more details, please refer to the Business Banking Tariff.

² For inward or outward transfers through CHATS, ZA Bank only supports HKD, USD and CNY. Local transfer in other currencies (if applicable) is supported by SWIFT (Telegraphic Transfer) only.

^# Designated banks refer to banks in comparison table displayed on Business Internet Banking Platform.

^& Rates refers to exchange rates between HKD and USD.

^% These exchange rates are for reference and will be displayed in Hong Kong working days only. You can review the actual exchange rates on other banks' websites or their Apps for a more accurate comparison. You should not rely solely on the comparison table to make foreign exchange transactions. We will not accept any responsibility or liability for any usage of the comparison table for any purposes. ZA Bank reserves the right to adjust or terminate the related services at any time without prior notice.

^{^} Every day refers to every working day in Hong Kong, excluding public holidays and weekends.

^* The saving amount is based on an exchange of HKD 5 million to USD in a month and is estimated using the average difference between the ZA Better FX Rates and the highest FX board rates offered by other designated banks at 10:00 from 13 to 19 November, 2025.

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

Important Risk Disclosure: Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency (including the Hong Kong Dollar).

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*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.