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.
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
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 a fund protection service that prevents funds in bank accounts from being scammed or used without authorisation. Customers can transfer designated HKD savings into a savings sub-account (Money Safe Pot) in the ZA Bank App, and set this portion of funds as Protected Funds.
Protected Funds will not be used for any deductions or payment purposes, including but not limited to spending, funds transfer, eDDA, cash withdrawals, currency conversion, remittances, loan/facilities repayment, settling fees and charges, purchase of investment products, purchase of insurance products, and other account withdrawal or payment operations.
To transfer the corresponding deposits for daily use, you must visit the bank office and complete face-to-face verification to release the Money Safe Protection.** 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 | HKD (Annual Interest Rate) | CNY (Annual Interest Rate) | USD (Annual Interest Rate) |
|---|---|---|---|
| Savings Account | 0.01% | 0.25% | 0.001% |
| Savings Sub-account(s) | 0.01% | \ | \ |
Interest is calculated on the following year basis:
• HKD - 365 days • CNY, USD - 360 days
The above Interest Rates are effective on 8 April 2024 and may change depending on the current market conditions.
