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As a licensed bank and “Your Future Bank for Now”, ZA Bank use technology to conquer the limitations of traditional banks, bringing our users a more convenient banking experience without sacrificing security. And you can also enjoy 24x7 customer service!

What is the required monthly income for Debt Consolidation Program application?

"Debt Changer" You can apply for Debt Consolidation Program with a monthly income of HKD 8,000 or above.

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What can Debt Consolidation Program do for me?What is the difference between Debt Consolidation Program and Personal Instalment Loan?Other than consolidating my current balance, can I also cash out?What is the maximum loan amount and repayment period for Debt Consolidation Program?Is Rule of 78 applied in the Debt Consolidation Program?

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*As the first digital bank to launch in Hong Kong, ZA Bank had the highest number of users and customer deposits among the city’s eight digital banks as of 30 June 2024. Source: Interim reports of 8 digital banks.