There is no handling fee for placing/ amending/ terminating a scheduled/recurring transfer instruction.

• If there are 10 or more transactions that fail within a calendar month due to an insufficient balance in your savings account (including scheduled/recurring fund transfers, fund transfers via electronic direct debit authorisation (eDDA), cash withdrawals, and ZA Card transactions), a one-time fee of HKD 120 will be applied for that calendar month.
• If you qualify for a ZA Perks user level and relevant requirements, related fees can be waived. Please refer to the "ZA Perks User Level Privileges List" to confirm your eligibility for the applicable benefits.ZA Perks User Level Privileges List