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ZA Bank streamlines financial management experience with ‘fixed-rate’ tax loan at guaranteed 1.58% APR


Driven by the motto of “Be the Game Changer”, Hong Kong’s No.1 virtual bank[1] ZA Bank has launched another tax loan with a fixed Annualised Percentage Rate (APR) to offer users a simple and straightforward financial management experience. From today until 31 December 2021 (“Promotional Period”), users can enjoy a guaranteed APR of 1.58% upon successful application for the tax loan with an invitation code and drawdown of a loan amount of HKD 200,000 or above with a tenor of 6 to 36 months[2].

Devon Sin, Co-Head of Retail Banking at ZA Bank, said: “Being the ‘Game Changer’ means we are dedicated to creating the best experience for our users, even for just a basic banking product. As one of the evergreen products at ZA Bank, our tax loan has registered over 40,000 applications since its debut. In order to address the growing demand for this offering, we have brought a major upgrade to this current tax loan. Alongside its landmark ‘fixed APR’ and seamless, fully-digital experience, we have offered an attractive pricing of 1.58% to provide users with a simple, clear and practical solution for financial planning. We hope this product can refresh the sophisticated image of traditional loan products.”

ZA Bank will introduce two special offers during the promotional period:

  • • For new users: Each user can get an HKD 400 cash reward upon successful account opening during the loan application process and drawdown of any amount[3];
  • • For existing users: By referring a friend to successfully draw down a Tax Loan or Card Statement Instalment Program of HKD 50,000 or above with an invitation code from an existing user, the referrer can get a cash reward as follows[4]:

Number of referees

Cash reward for each successful referral

Total rewards


HKD 400

HKD 400

2 – 4

HKD 600

HKD 1,200 – HKD 2,400

5 or above

HKD 1000

HKD 5,000 or above


Please visit for more details about the fixed-rate tax loan and its promotional offers.




[1] “No.1” is defined by ZA Bank’s leading position in the virtual banking industry in terms of number of users, personal deposits and loan amount as of 31 December 2020. Source:

[2] Each user will get a 10% discount coupon upon the loan application with an invitation code. The user can enjoy an Annualised Percentage Rate (APR) of 1.58% with the coupon by successfully drawing down of a loan of HKD 200,000 or above with a tenor of 6 to 36 months. 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. Terms and conditions apply. For details, please visit: To borrow or not to borrow? Borrow only if you can repay!

[3] Terms and conditions apply. For details, please visit:

[4] Terms and conditions apply. For details, please visit:




Note to Editors


Interest rates based on loan tenor:


Loan amount

Loan tenor

Monthly flat rate


APR with discount coupon

HKD 200,000 or above

6 months




9 months


12 months


18 months


24 months


36 months



For a loan amount 1) below HKD 200,000; or 2) of HKD 200,000 or above with a tenor of 48 to 60 months, the corresponding APRs range from 3.73% to 33.93%. The final approval result is based on ZA Bank’s decision upon a holistic review of an application, together with a user’s final drawdown amount and repayment period.


Media Enquiries

ZA Bank


About ZA Bank

ZA Bank Limited (“ZA Bank”), licensed by the Hong Kong Monetary Authority (“HKMA”) on 27 March 2019, is one of the first batch of virtual banks in Hong Kong. On 24 March 2020, ZA Bank officially launched its services to the public, making it the first fully-operating virtual bank in Hong Kong. On 22 March 2021, ZA Bank officially launched Business Banking to deliver an innovative banking experience to local small and medium-sized enterprises. ZA Bank was established by ZhongAn Technologies International Group Limited (“ZA International”). With its “Community-Driven” approach, ZA Bank encourages users to directly contribute to its product development and design processes, helping the bank create innovative services that better serve the needs of Hong Kong customers.

Based on market data, Hong Kong’s virtual banks combined have attracted 420,000 users as of 31 December 2020, with HKD 15 billion of deposits and HKD 1 billion of loans. ZA Bank secured a leading position in the industry in terms of number of users (220,000), personal deposits (HKD 6 billion) and loan amount (HKD 650 million), thereby becoming Hong Kong’s No.1 virtual bank.

ZA International was established in Hong Kong in December 2017, by ZhongAn Online P&C Insurance Co., Ltd. (HKEX stock code: 6060), an online-only insurtech company in China, to explore international business development, collaboration and investment opportunities in the area of fintech and insurtech in overseas markets.