Savings Pot*
Grow your savings with High-Rate Pot
* Earn up to a 5% p.a. savings rate
by completing challenges1
* Withdraw money instantly with no fees
* No minimum deposit requirement
Easily earn a passive income with Chill Pot
* Enjoy a 0.5% p.a. savings rate2
* Let the idle funds earn a steady income* Withdraw money instantly with no fees
Somewhere to save, not spend
Savings Pot is a simple way to put money aside and set it apart from your expenses.
Whether you are saving up for your loved ones, a goal or a rainy day, Savings Pot is here to make your savings grow.
Add custom images to your Savings Pot to help you visualise what it's for and stay motivated.
Learn more
* The Savings Pot is a savings sub-account, the balance cannot be used for card spending, bill payments, repayments, and third-party fund transfers, etc.
1. During the Campaign Period, you can get reward rates of up to 4.99% p.a. in total by completing challenges of High-Rate Pot. As such, you can enjoy a total savings rate of 5% p.a. for this month when including the HKD savings basic interest rate of 0.01%. The above reward rates only apply to the High-Rate Pot balance of HKD 800,000 or below, which is valid from the day of completing the challenge to the last day of the month. Spending Challenge also applies to ZA Credit users. To borrow or not to borrow? Borrow only if you can repay! Investment involves risks. T&C apply.
2. The Promotion Rate applies to HKD 1,000,000 or below balance in the Chill Pot, and the balance exceeding this will be calculated according to the basic interest rate. T&C apply.
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Time Deposits
Multi-currency time deposits available, including HKD, CNY and USD
Place your time deposits with just $1
Flexible range of tenors from 7 days to 1 year
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Foreign Exchange Time Deposit*
Place a USD or CNY time deposit 24 x 7 with automatic currency exchange
Earn a premium rate 
0 handling fees Head to ZA Bank App homepage > Deposit > FX Time Deposit
*The applicable interest rate, currency, and deposit period are subject to the content displayed on the ZA Bank App product page. FX involves risks. T&C apply.
Money Safe
Money Safe is suitable for Customer who wants an extra layer of security to prevent loss of funds in bank accounts due to fraud and scam; and willing to lock up funds for Money Safe protection and accepts that such funds will not be available for Transactions unless duly released from Money Safe protection.
Money Safe allows you to lock part of the funds you deposited with us to protect them from loss due to fraud and scam. The funds will be locked as Protected Fund by segregating (that is, separating) them from the other funds you deposited with us. The Protected Funds will not be used for any fund outflow through any channel whether online or offline, including withdrawal, fund transfer, autopay, direct debit authorization, standing instruction, currency exchange, remittances, settling fees, purchase of investment products, purchase of insurance products loan, card repayment or payment of bank fees.
Once you have locked the funds, we are required to stop processing any Transaction pursuant to any instruction received by us after the funds have been locked until the Protected Funds are released from Money Safe protection in accordance with the procedures specified. Please be aware that due to security considerations, the release of Money Safe protection involves a strict procedure and may take some time to complete, it is recommended to plan your funding arrangements in advance** To protect the security of your account, you must visit the ZA Bank office in person for identity verification before the protection can be released. This is a strict security check procedure, please plan your time and fund in advance. T&C apply.
ZA Savings
Earn as you deposit!
No minimum deposit, no fees
Deposit and withdraw money as you wish
Account opening in as fast as 2 mins#
#The time needed for account opening is subject to actual circumstances. In general, provided that no extra information is required, an user can open an account in as fast as 2 minutes.
Deposit Interest Rate
| Account | Savings Account | Savings Sub-account(s) |
|---|---|---|
| HKD (Annual Interest Rate) | 0.01% | 0.01% |
| CNY (Annual Interest Rate) | 0.25% | 0.25% |
| USD (Annual Interest Rate) | 0.001% | 0.001% |
Interest is calculated on the following year basis:
• HKD, GBP, SGD - 365 days • Other currencies - 360 days
The above Interest Rates are effective on 11 November 2025 and may change depending on the current market conditions.
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