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Savings Pot

Grow your savings with Savings Pot
* Exclusive Savings sub-account1
* Earn up to 5% p.a. savings rate2
* New users can get up to 6% p.a.3
* Withdraw money instantly
* No minimum deposit requirement
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.
Personalise your Savings Pot
Add custom images to your Savings Pot to help you visualise what it's for and stay motivated.
Learn morecompress@3x
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 a promotional reward rate of 0.39% p.a. by creating the Savings Pot. By completing challenges every month, you can get an extra challenge reward rate of up to 4.6% p.a.. You can enjoy up to 5% p.a. savings interest rate for that month when combined with basic savings interest rate of 0.01% p.a.. Spending Challenge also applies to ZA Credit users. To borrow or not to borrow? Borrow only if you can repay! Investment involves risks.
3. During the Campaign Period, new users who successfully open a savings account and create their Savings Pot can enjoy an extra 1% p.a. reward rate. Along with the maximum rate of 5% p.a. after completing all challenges, you can enjoy up to 6% p.a. in total! T&C apply.

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

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.