That depends! The charges for withdrawing cash at an ATM with your ZA Card vary depending on the location and currency:

Local withdrawals (Hong Kong):

• HKD: Supported

• Foreign currencies: Do not support

Overseas withdrawals:

• Foreign currencies: HKD 50 per transaction + 1.95% foreign exchange rate mark-up fee (1% charged by Visa + 0.95% charged by ZA Bank)

Local withdrawals and overseas withdrawals share a monthly fee-free withdrawal limit of which equivalent of HKD 80,000，1% ATM fee applies to amounts exceeding the limit.

Where can I use my ZA Card for withdrawals?

Withdraw cash for free at over 3,000 Visa-enabled ATMs across Hong Kong with your physical card, while using it at nearly 3 million ATMs worldwide!

You can also find the locations of ATMs that support withdrawals on the Visa website (https://www.visa.com/locator/atm).

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.