Savings Pot
Grow your savings with High-rate Pot
* Exclusive Savings sub-account1
* Earn up to 7% p.a. savings rate2
* Withdraw money instantly
* No minimum deposit requirement
Create your High-rate Pot to earn up to 7% p.a.
* Complete the monthly challenges to earn up to 5% p.a.
* Create the High-rate Pot for the first time to enjoy an extra 2% p.a.
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
1. The Savings Pot is a savings sub-account, which only supports fund transfers to/from your savings account within ZA Bank, and cannot be used for card spending, bill payments, repayments, and third-party fund transfers, etc.
2. 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%. 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.
During the Campaign Period, users who successfully create the High-rate Pot for the first time can enjoy an extra 2% p.a. reward rate (valid for 7 days). 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*
Exchange 24 x 7 to USD or CNY and set up a time deposit 
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.
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.
