1%[1] vs 0.001%
Simply a difference of 1,000 times[2].
Enjoy the best-in-town savings rate after opening an account in as fast as 5 mins!
Download now
ZA Savings Go
Get the best in town savings rate by ZA Savings Go, anytime, anywhere.

High yield, no fees, no minimum deposit

Deposit and withdraw money as you wish

Account opening in as fast as 5 mins

[1]The above Interest Rates are effective on 24 March 2020. They are subject to change as per prevailing market conditions.*Terms and Conditions apply.
[2]Based on the general savings deposit rate for HKD 100K on 24 March of most retail banks. Promotional offers excluded.
Take a look
Find out how much more interest you could earn with ZA Savings Go
What’s your first deposit?
Max. HKD 500,000
How much you’re expecting to deposit monthly?
Max. HKD 500,000
For how long will you deposit?
HKD --
ZA Bank
HKD --
Other banks
1.This calculator demonstrates the interest projection of deposit balance entered, excluding compound interest. Deposit balance at HKD500,000 or below will be calculated with 1% Savings Go annual interest rate, while deposit balance exceeding HKD500,000 will be calculated with base interest rate of 0.01%.
2. The maximum deposit period of 12 months is for calculation purpose only. It doesn't represent that the actual deposit period is limited to 12 months.
3.The above Interest Rates are effective on 24 March 2020. They are subject to change as per prevailing market conditions. The calculation is for illustrative purpose only and the actual interests earned will depend on the prevailing circumstances.

Time Deposits

Multi-currency time deposits available, including HKD, CNY and USD
Place your time deposits with just $1
Flexible range of tenors from 1 month to 1 year
Interest Rate
  • Time Deposits
  • Savings
Deposit PeriodHKD (Annual Interest Rate)CNY (Annual Interest Rate)USD (Annual Interest Rate)
1 month0.250%1.000%0.150%
3 months1.080%1.450%0.250%
6 months0.700%1.500%0.200%
12 months0.700%1.500%0.200%

Interest is calculated on the following year basis:​

• HKD - 365 days or 366 days (in leap years) • CNY, USD - 360 days

They are subject to change as per prevailing market conditions.

FAQ
What maturities of deposits are available?
We provide flexible deposit products with multiple tenors, ranging from 1 to 12 month(s) and allow early withdrawal. Further information can be found here.
What's the minimum requirement for your Time Deposit product?
You can place a time deposit with only HKD 1 / CNY 1 / USD 1.
How can I place a time deposit with ZA Bank?
You can place time deposit with our ZA Bank mobile app at anytime including holidays, anywhere to secure a better return.