You can use your ZA Card to take out money from ATMs with the 'Visa' sign, both in your own country and in other countries.

Taking out money from ATMs in your own country and in other countries will have the following standard fees:

Local withdrawals (Hong Kong):

• HKD: No handling fees!

• Foreign currencies: Not supported… for now.

Overseas withdrawals:

• HKD: HKD 50 per transaction

• Foreign currencies: HKD 50 per transaction + 1.95% foreign exchange rate mark-up fee

(1% charged by Visa + 0.95% charged by ZA Bank)