ZA Bank, Virtual Bank

ZA Bank, Virtual Bank

ZME $18M Loan
$18M hassle free financing

ZA Bank is the first virtual bank in Hong Kong to offer a financing guarantee facility of up to HKD 18 million, helping you get through the operational challenges.

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ZME $18M Loan SME Financing Guarantee Scheme(80% Guarantee Product-revolving loan)

The ZME $18M Loan, which is an 80% Guarantee Product - Revolving Loan under the SME Financing Guarantee Scheme launched by the HKMC Insurance Limited, helping you get through the operational challenges.

Facility amount up to HKD 18 million[1]

Annualised Percentage Rate as low as 2.75%[2]

Guarantee fee fully subsidised[3]

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

[1]The maximum loan amount per borrower for the “80% Guarantee Product - Revolving Loan” under the SME Financing Guarantee Scheme (SFGS) is HKD 18 million. SFGS is offered by the HKMC Insurance Limited (HKMCI).

[2]The APR is net of the interest subsidy under the SFGS. According to the SFGS, the annual interest subsidy rate is a facility’s annual interest rate minus 2.75%, subject to a cap of 3%. Each eligible facility is entitled to interest subsidy for 12 months at maximum in a one-year subsidy period. Please refer to “SME Financing Guarantee Scheme Factsheet” for details. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate.

[3]Guarantee fee amount is reviewed by the HKMCI and its decision shall be final. The offer is effective until 31 December 2021. Terms and Conditions apply.


ZME Revolving Loan-Unsecured Business Revolving Loan

We offer unsecured revolving term loan with flexible drawdown date and repayment term. No interest is payable on unused credit.
Please contact your relationship manager or call our customer service hotline for details.

Revolving credit line

HK$0 arrangement fee for SME

Check your repayment schedule online

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

Account Opening

ZA Bank, the ideal business partner for both Corporates and SMEs, provides you with comprehensive Business Banking services.

24/7 Time Deposit

Time deposits are available in HKD, CNY and USD, offering you flexibility to place time deposits anytime from Monday to Sunday throughout the year.
Please contact your Relationship Manager for the latest deposit rates.

24/7 Placement

Wide Range of Tenors

Stable Return

Interest Rate

Transfer and Payment

We offer convenient and efficient payment services.

Low Handling Fee


Local Funds Transfer - FPS/CHATS