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Savings Pot

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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
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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.
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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.
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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.
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Time Deposits

deposit-icon-01Multi-currency time deposits available, including HKD, CNY and USD
deposit-icon-02Place your time deposits with just $1
deposit-icon-03Flexible range of tenors from 7 days to 1 year
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Foreign Exchange Time Deposit* 

Exchange, deposit and earn high interests in one go! 
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!
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No minimum deposit, no fees

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Deposit and withdraw money as you wish

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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.

FAQ