No. ZA Credit is a revolving loan for retail purchases and does not support ATM cash withdrawals. For ATM withdrawals, use your ZA Card with your account balance at ATMs displaying the "Visa" logo. The handling fees are as follows:

• Local HKD cash withdrawal is free of charge; and

• Overseas foreign currency cash withdrawal is HKD 50 + 1.95% (Visa 1% + ZA Bank 0.95%).

Please note that local foreign currency cash withdrawals are not supported.