ZA Bank, Virtual Bank

ZA Bank, Virtual Bank

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ZA Bank rolls out “Be the Game Changer” brand campaign
Launches physical ZA Card with up to 200% cash rebate on spending



ZA Bank has started a new brand campaign with the tagline “Be the Game Changer”. This move shows our commitment to strive for the best for users as Hong Kong’s first virtual bank.

Going the extra mile means going wild? We think not, for sure. We may be living in a world where everyone is used to being “normal”. But at ZA Bank, we never take things for granted. Standing at the centre of digital evolution, we are committed to addressing users’ needs through leveraging the technological strengths of virtual banks. We are ready to be a “game changer” and bring different product and service experiences to our users. What starts out as a minor touch-up today could turn into an industry practice one day, thereby benefiting users in Hong Kong. As such, we dare to go beyond the “normal” with our suite of first-in-market offerings that speak to our users.

Rockson Hsu, CEO of ZA Bank, said: “Let’s take savings rates and banking hours as examples. Users rarely reflected on the value of their savings accounts, as it seemed perfectly ‘normal’ to offer a 0.001% interest rate. Users were also used to the 9-to-6 servicing model, without even thinking about opening an account or making a time deposit on Sundays. Such matters of course have limited users’ imagination for banking products and services.”

Hsu continued: “ZA Bank offers 24/7 banking services for our users, highlighted by market-leading offers including zero account balance requirement and 1%1 savings rate. While others may talk big, we choose to walk big by introducing Hong Kong’s first-ever 30-Minute Pledge for personal loan applications. Our ZA Card also gives a special meaning to bank cards with personalised number. We go beyond the ‘normal’ and become a game changer, simply because we want to make banking better. We strive to provide an alternative for users by turning unprecedented ideas into one single mobile app. We hope everyone can relate to this campaign and learn more about ZA Bank’s vision.”

Meanwhile, we are excited to announce the arrival of the physical ZA Card, Hong Kong’s first Visa card with personalised number, that allows users to spend and withdraw cash with ease. From today, users can participate in a lucky draw “PowerDraw”2 for each eligible offline spending. For each eligible spending of HKD 10 or above, users will automatically enter “PowerDraw” for a chance to win up to 200% cash rebate. The final rebate will be instantly credited to users’ account in the form of ZA Coin, which can then be converted into cash and used for next spending.

Hsu added: “Monthly and daily rebates may be ‘normal’, but we understand that instant rebates can ensure a better experience for users. Hence, we are dedicated to being a ‘game changer’ and offering instant cash rebates that users can enjoy every time they spend.”

ZA Card is a debit card with no annual fees, interests or late charges. With the physical ZA Card, users can enjoy free cash withdrawal from more than 3,000 bank ATMs in Hong Kong, and access to almost 3 million ATMs worldwide, where Visa is accepted.

For more details about ZA Card and “PowerDraw”, please visit:


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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, offering a wide range of online financial services to Hong Kong users. ZA Bank was established by ZhongAn Technologies International Group Limited (“ZA International”). With “Community-Driven” approach, ZA Bank encourages users to directly contribute to its product development and design process together, guiding the bank to design and develop innovative products and services that will better serve the needs of Hong Kong customers.

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 market.

1 This interest rate is effective on 5 November 2020, subject to change as per prevailing market conditions. Terms and conditions apply.

2 Terms and conditions apply. For details, please refer to: