<div style="font-family: Helvetica, Arial, sans-serif; font-size: 16px; font-weight: normal; line-height: 1.7; text-align: left; color: #000000;" contenteditable="true" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[1].children.[0].data.value.content">
<div style="font-size: 16px; font-weight: normal; text-align: left; line-height: 1.7; font-family: Helvetica, Arial, sans-serif;">
<span style="font-size: 12.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: Arial; mso-font-kerning: 0pt; mso-ligatures: none; mso-ansi-language: EN-HK; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">Notice of Amendment to the “Fees and Charges Guide for Individual Customers” (Effective from 1 Nov 2026)
 We are updating the “Fees and Charges Guide for Individual Customers” (“Fees and Charges Guides”), which will be effective from 1 Nov 2026. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests. Amendment to the Fees and Charges Guides is listed below:
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<tbody>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">Service</td>
<td style="border: 1px solid rgb(0, 0, 0);">Existing Fees and Charges</td>
<td style="border: 1px solid rgb(0, 0, 0);">New Fees and Charges</td>
</tr>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">Return of all types of inward remittance</td>
<td style="border: 1px solid rgb(0, 0, 0);">Waived</td>
<td style="border: 1px solid rgb(0, 0, 0);">Waived Please note that: If the remittance details are incorrect, incomplete or unclear, additional fees may be charged by other banks or related institutions for amendment or processing.</td>
</tr>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);"><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: Arial; mso-font-kerning: 0pt; mso-ligatures: none; mso-ansi-language: EN-HK; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">Return of all types of outward remittance</td>
<td style="border: 1px solid rgb(0, 0, 0);">Waived</td>
<td style="border: 1px solid rgb(0, 0, 0);">Waived Please note that:&nbsp; If the remittance details are incorrect, incomplete or unclear, additional fees may be charged by other banks or related institutions for amendment or processing.</td>
</tr>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">Global Transfer via SWIFT</td>
<td style="border: 1px solid rgb(0, 0, 0);">Waived Please note that:&nbsp; 1) Outward remittances via SWIFT may be subject to fees charged by other banks or related institutions (e.g., correspondent banks, intermediary banks, settlement institutions, and/or the beneficiary bank). These fees may be deducted directly from the remittance amount or debited from your account, and the actual charging method may differ from your selected option.&nbsp; 2) If you choose to bear the charges, ZA Bank may collect a non-refundable upfront fee when processing the remittance. The amount is set (without prior notice) with reference to the charging records of other banks or related institutions and the amount shown in the ZA Bank App at the time of remittance prevails. If actual fees exceed the upfront fee, ZA Bank may debit the shortfall from you. 3) If remittance details are incorrect, incomplete or unclear, additional fees may be charged by other banks or related institutions for amendment or processing.</td>
<td style="border: 1px solid rgb(0, 0, 0);">
HKD 70 per remittance Please note that:&nbsp; 1) Outward remittances via SWIFT may be subject to fees charged by other banks or related institutions (e.g., correspondent banks, intermediary banks, settlement institutions, and/or the beneficiary bank). These fees may be deducted directly from the remittance amount or debited from your account, and the actual charging method may differ from your selected option.&nbsp; 2) If you choose to bear the charges, ZA Bank may collect a non-refundable upfront fee when processing the remittance. The amount is set (without prior notice) with reference to the charging records of other banks or related institutions and the amount shown in the ZA Bank App at the time of remittance prevails. If actual fees exceed the upfront fee, ZA Bank may debit the shortfall from you. 3) If remittance details are incorrect, incomplete or unclear, additional fees may be charged by other banks or related institutions for amendment or processing.
</td>
</tr>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">Insufficient balance handling fee</td>
<td style="border: 1px solid rgb(0, 0, 0);">If there are 15 or more transactions that fail within a calendar month due to insufficient balance in your savings account (including scheduled/recurring fund transfers, fund transfers via electronic direct debit authorization (eDDA), cash withdrawals, and ZA Card transactions), a fee of HKD 120 will be applied once in that calendar month.</td>
<td style="border: 1px solid rgb(0, 0, 0);">If 10 or more transactions fail within a calendar month due to insufficient balance in your savings account (including scheduled/recurring fund transfers, fund transfers via electronic direct debit authorization (eDDA), cash withdrawals, and ZA Card transactions), a fee of HKD 120 will be applied once in that calendar month.</td>
</tr>
</tbody>
</table>
 You can download a PDF version of the updated Fees and Charges Guides via below links: <a style="color: #030516;" tabindex="-1" href="https://bank.za.group/agreement/pdf/en_US/1002622">Fees and Charges Guide for Individual Customers (effective on 1 Nov 2026)&nbsp;</a> Please note that the amendments will be legally binding on you if you use or continue to use related products or services on or after 1 Nov 2026.&nbsp; If you decline to accept the amendments, you have the right to terminate the products or services according to the relevant provisions under ZA Bank’s General Account Terms and Conditions and ZA Card Terms and Conditions before the abovementioned date. Please feel free to get in touch with us through the ZA Bank App if you need any assistance.</div>
</div>

Notice of Amendment to the “Fees and Charges Guide for Individual Customers” (Effective from 1 Nov 2026)

Due to system maintenance,&nbsp;northbound transfers&nbsp;via Payment Connect&nbsp;will be unavailable from&nbsp;00:00 to 06:00&nbsp;on 13 September 2026 (Sunday).&nbsp;Users may wish to make advance arrangements or postpone any transfers as necessary.&nbsp;
&nbsp;
For enquiries, please contact us&nbsp;via the ZA Bank App.&nbsp;&nbsp;&nbsp;

Payment Connect system maintenance - 13 September 2026 00:00 to 06:00

Notice of Amendments to the “Debt Consolidation Program Terms and Conditions”, effective from 19 October 2026
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At ZA Bank, we continue to listen to our users’ feedback and improve our banking services.&nbsp;Therefore, we are updating&nbsp;the&nbsp;Debt Consolidation Program&nbsp;Terms and Conditions&nbsp;(“Revised Terms”).&nbsp;Understand&nbsp;this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.&nbsp;&nbsp;
</div>
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We have outlined the major changes to the Revised Terms&nbsp;in&nbsp;the table below for your information.
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<tr style="height: 22.3889px;">
<td style="height: 22.3889px; border: 1px solid rgb(0, 0, 0);">Section&nbsp;</td>
<td style="height: 22.3889px; border: 1px solid rgb(0, 0, 0);">Purpose of the changes and what they mean for you&nbsp;</td>
<td style="height: 22.3889px; border: 1px solid rgb(0, 0, 0);">Clause&nbsp;</td>
</tr>
<tr style="height: 44.7778px;">
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">5.&nbsp;Repayment arrangements &nbsp;</td>
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">
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Revised&nbsp;repayment arrangements:&nbsp;
</div>
<div class="OutlineElement Ltr SCXW50084203 BCX8">
You authorise us to debit from your Designated Account or the account referred to in Clause 5.3 below, or to apply any cashier’s order(s) or proceeds referred to in&nbsp;Clause 5.7&nbsp;for&nbsp;the payment of:  &nbsp;
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(a)              &nbsp;the amount of the Monthly Instalment Amount then due and payable on or after the Repayment Date; and &nbsp;
</div>
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(b)              &nbsp;any outstanding amount then due and payable on or after the Repayment Date. &nbsp;
</div>
</td>
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">5.2</td>
</tr>
<tr style="height: 44.7778px;">
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">5.&nbsp;Repayment arrangements &nbsp;</td>
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">
<div class="OutlineElement Ltr SCXW206499811 BCX8">
Revised&nbsp;repayment arrangements:&nbsp;
</div>
<div class="OutlineElement Ltr SCXW206499811 BCX8">
If&nbsp;any&nbsp;&nbsp;cashier’s order(s)&nbsp;issued by us in connection with a Debt Consolidation Program has not been cashed in, deposited or otherwise use to settle the relevant Debt&nbsp;before its&nbsp;expiry or&nbsp;maturity date, and any&nbsp;amount under the Debt Consolidation Program is overdue or otherwise due and payable, including where any auto-debit arrangement under Clause 5.3 is unsuccessful due to insufficient funds or available credit limit, you&nbsp;authorise&nbsp;us, without further notice, to cancel, debit, apply or otherwise use the relevant cashier’s order, in or towards repayment of any amount then due and payable by you under the Debt Consolidation Program. You&nbsp;remain&nbsp;liable for any shortfall after such application.&nbsp;
</div>
</td>
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">
5.7
</td>
</tr>
</tbody>
</table>
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You can download a PDF version of the&nbsp;Revised Terms via&nbsp;<a style="color: rgb(24, 144, 255);" href="https://bank.za.group/agreement/pdf/en_US/1002611" target="_blank" rel="noopener">this link</a>.&nbsp;
</div>
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You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select “About ZA”) or our website under the “Terms and Conditions” section.&nbsp;
</div>
<div class="OutlineElement Ltr SCXW241818194 BCX8">
Please note that the&nbsp;Revised Terms&nbsp;shall be binding on you if you do not&nbsp;terminate&nbsp;the&nbsp;above mentioned&nbsp;products or services before&nbsp;19&nbsp;October&nbsp;2026. If you decline to accept the&nbsp;Revised Terms, you have the right to&nbsp;terminate&nbsp;the products or services&nbsp;in accordance with&nbsp;the relevant provisions under the&nbsp;existing&nbsp;Terms and Conditions before the&nbsp;above mentioned&nbsp;date.&nbsp;
</div>
<div class="OutlineElement Ltr SCXW241818194 BCX8">
Please feel free to&nbsp;get in touch with&nbsp;us through the ZA Bank App if you need any&nbsp;assistance.&nbsp;&nbsp;
</div>
<div class="OutlineElement Ltr SCXW241818194 BCX8">
18 August 2026
</div>
</div>

Notice of Amendments to the “Debt Consolidation Program Terms and Conditions”, effective from 19 October 2026

Notice of Amendments&nbsp;to the&nbsp;“Card&nbsp;Statement Instalment Program&nbsp;Terms and Conditions”,&nbsp;effective from 19&nbsp;October&nbsp;2026
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At ZA Bank, we continue to listen to our users’ feedback and improve our banking services.&nbsp;Therefore, we are updating the&nbsp;Card&nbsp;Statement Instalment Program Terms and Conditions (“Revised Terms”).&nbsp;Understand&nbsp;this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.&nbsp;&nbsp;
</div>
<div class="OutlineElement Ltr SCXW230169518 BCX8">
We have outlined the major changes to the Revised Terms in the table below for your information.&nbsp;
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<tbody>
<tr style="height: 44.7778px;">
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">Section&nbsp;</td>
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">Purpose of the changes and what they mean for you&nbsp;</td>
<td style="height: 44.7778px; border: 1px solid rgb(0, 0, 0);">Clause&nbsp;</td>
</tr>
<tr style="height: 393.431px;">
<td style="height: 393.431px; border: 1px solid rgb(0, 0, 0);">5. Repayment arrangements</td>
<td style="height: 393.431px; border: 1px solid rgb(0, 0, 0);">
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Revised&nbsp;repayment arrangements:&nbsp;
</div>
<div class="OutlineElement Ltr SCXW122522401 BCX8">
You authorise us to debit from your Designated&nbsp;Account or the account referred to in Clause 5.3 below, or to apply any cashier’s order(s) or proceeds referred to in&nbsp;Clause 5.7&nbsp;for&nbsp;the payment of:  &nbsp;
</div>
<div class="OutlineElement Ltr SCXW122522401 BCX8">
(a) the amount of the Monthly Instalment Amount then due and payable on or after the Repayment Date; and &nbsp;
</div>
<div class="OutlineElement Ltr SCXW122522401 BCX8">
(b)&nbsp;any outstanding amount then due and payable on or after the Repayment Date.&nbsp;
</div>
</td>
<td style="height: 393.431px; border: 1px solid rgb(0, 0, 0);">5.2</td>
</tr>
<tr style="height: 71.167px;">
<td style="height: 71.167px; border: 1px solid rgb(0, 0, 0);">5. Repayment arrangements&nbsp;</td>
<td style="height: 71.167px; border: 1px solid rgb(0, 0, 0);">
<div class="OutlineElement Ltr SCXW256612176 BCX8">
Revised&nbsp;repayment arrangements:&nbsp;
</div>
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If any&nbsp; cashier’s order(s) issued by us in connection with a Debt Consolidation Program has not been cashed in, deposited or otherwise use to settle the relevant Debt before its expiry or maturity date, and any amount under the Debt Consolidation Program is overdue or otherwise due and payable, including where any auto-debit arrangement under Clause 5.3 is unsuccessful due to insufficient funds or available credit limit, you&nbsp;authorise&nbsp;us, without further notice, to cancel, debit, apply or otherwise use the relevant cashier’s order, in or towards repayment of any amount then due and payable by you under the Debt Consolidation Program. You&nbsp;remain&nbsp;liable for any shortfall after such application.&nbsp;
</div>
</td>
<td style="height: 71.167px; border: 1px solid rgb(0, 0, 0);">5.7</td>
</tr>
</tbody>
</table>
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You can download a PDF version of the&nbsp;Revised Terms via&nbsp;<a style="color: rgb(24, 144, 255);" href="https://bank.za.group/agreement/pdf/en_US/1002586" target="_blank" rel="noopener">this link</a>.&nbsp;
</div>
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You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select “About ZA”) or our website under the “Terms and Conditions” section.&nbsp;
</div>
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Please note that the Revised Terms shall be binding on you if you do not&nbsp;terminate&nbsp;the&nbsp;above mentioned&nbsp;products or services before 19&nbsp;October&nbsp;2026. If you decline to accept the Revised Terms, you have the right to&nbsp;terminate&nbsp;the products or services&nbsp;in accordance with&nbsp;the relevant provisions under the&nbsp;existing&nbsp;Terms and Conditions before the&nbsp;above mentioned&nbsp;date.&nbsp;
</div>
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Please feel free to&nbsp;get in touch with&nbsp;us through the ZA Bank App if you need any&nbsp;assistance.&nbsp;&nbsp;
</div>
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18&nbsp;August&nbsp;2026&nbsp;
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&nbsp;
</div>
</div>

Notice of Amendments to the “Card Statement Instalment Program Terms and Conditions”, effective from 19 October 2026

<div data-zone-id="0" data-line-index="0" data-line="true">ZA Bank Limited (“We” or “ZA Bank”) are updating our “Terms and Conditions for Investment Services” (“Revised Terms”), which will take effect from 3 September 2026. We have outlined the major changes to the Revised Terms in the table below for your information (“Amendments”). These Amendments are made in order to:</div>
<div data-zone-id="0" data-line-index="2" data-line="true">&nbsp; &nbsp; &nbsp; &nbsp;</div>
<div data-zone-id="0" data-line-index="2" data-line="true">&nbsp; &nbsp; &nbsp; &nbsp; 1. Provide you with additional risk disclosures in relation to Leveraged and Inverse Products (Single-Stock Leveraged and Inverse Products) and Defined Outcome Listed Structured Funds</div>
<div data-zone-id="0" data-line-index="3" data-line="true">&nbsp; &nbsp; &nbsp; &nbsp; 2. Clarify that ZA Bank does not offer proxy voting services in respect of Hong Kong and US securities</div>
<div data-zone-id="0" data-line-index="4" data-line="true">&nbsp; &nbsp; &nbsp; &nbsp; 3. Amend the corporate actions provisions on dividend payment dates and currency election options</div>
<div data-zone-id="0" data-line-index="5" data-line="true">&nbsp;</div>
<div data-zone-id="0" data-line-index="6" data-line="true">You can download a PDF version of the Revised Terms via this<a style="color: rgb(24, 144, 255);" href="https://bank-invest.za.group/agreement/pdf/en_US/1002593" target="_blank" rel="noopener" data-lark-is-custom="true"> link</a>.</div>
<div data-zone-id="0" data-line-index="7" data-line="true">&nbsp;</div>
<div data-zone-id="0" data-line-index="8" data-line="true">Words mentioned in this Notice shall have the same meaning as defined in “Terms and Conditions for Investment Services”, where applicable.</div>
<div data-zone-id="0" data-line-index="9" data-line="true">You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select “About ZA”) or our website under the “Terms and Conditions” section.</div>
<div data-zone-id="0" data-line-index="10" data-line="true">Please note that the Revised Terms will be binding on you if you use or continue to use any of our products or services on or after 3 September 2026. If you do not accept the Revised Terms, you have the right to terminate the account(s), products and services with us according to the relevant provisions under the General Account Terms and Conditions before 3 September 2026.</div>
<div data-zone-id="0" data-line-index="11" data-line="true">Please feel free to get in touch with us through the ZA Bank App if you need any assistance.</div>
<div data-zone-id="0" data-line-index="11" data-line="true">&nbsp;</div>
<div data-zone-id="0" data-line-index="11" data-line="true">
ZA Bank Limited&nbsp;
Summary of Amendments to the Revised Terms
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<td style="text-align: center; border: 1px solid rgb(0, 0, 0);">Section</td>
<td style="border: 1px solid rgb(0, 0, 0);">Purpose of the changes and what they mean for you</td>
<td style="text-align: center; border: 1px solid rgb(0, 0, 0);">Clause</td>
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<td style="text-align: center; border: 1px solid rgb(0, 0, 0);">6</td>
<td style="border: 1px solid rgb(0, 0, 0);">
Corporate Actions
New Clauses 6.5, 6.6 and 6.7 are added in relation to Corporate Actions.
</td>
<td style="text-align: center; border: 1px solid rgb(0, 0, 0);">6.5 6.6 6.7</td>
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<tr>
<td style="text-align: center; border: 1px solid rgb(0, 0, 0);">Schedule 4</td>
<td style="border: 1px solid rgb(0, 0, 0);">
Risk Disclosure Statements 
New Clauses 18 "Single Stock Concentration Risk", 19 "Price Volatility Risk", 20 "Risks Relating to the Underlying Stock", 21 "High Swap Fee Risk", 22 "Suspension of Trading Risk", 23 "Capacity Limit Risk", 24 "Trading Time Difference Risk" and 25 "Regulatory Risk" are added to Part C to set out the specific risks in relation to Single-Stock Leveraged and Inverse Products.
&nbsp;
New Clauses 1 "Introduction to Defined Outcome Listed Structured Funds", 2 "Differences from Traditional ETFs", 3 "Outcome Period and Reset Risk", 4 "Buffer Loss Risk",5 "Upside Return Cap Risk", 6 "Option Liquidity Risk", 7 "Volatility Risk", 8 "Option Contract Rollover Risk", 9 "Higher Cost Risk", 10 "Other General ETF Risks" and 11 "Investor Education and Performance Simulation Analysis" are added to Part D to set out the specific risks in relation to trading of Defined Outcome Listed Structured Funds.</td>
<td style="border: 1px solid rgb(0, 0, 0);">
<div style="text-align: center;" data-zone-id="0" data-line-index="0" data-line="true">18 (Part C),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="1" data-line="true">19 (Part C),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="2" data-line="true">20 (Part C),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="3" data-line="true">21 (Part C),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="4" data-line="true">22 (Part C),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="5" data-line="true">23 (Part C),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="6" data-line="true">24 (Part C),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="7" data-line="true">25 (Part C)</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="8" data-line="true">&nbsp;</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="9" data-line="true">01 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="10" data-line="true">02 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="11" data-line="true">03 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="12" data-line="true">04 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="13" data-line="true">05 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="14" data-line="true">06 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="15" data-line="true">07 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="16" data-line="true">08 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="17" data-line="true">09 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="18" data-line="true">10 (Part D),</div>
<div style="text-align: center;" data-zone-id="0" data-line-index="19" data-line="true">11 (Part D)</div>
<span lang="EN-US" style="font-size: 10.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-fareast-font-family: Calibri; color: black; mso-themecolor: text1; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> </td>
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</div>

Notice of Amendment to the “Terms and Conditions for Investment Services” (effective from 3 September 2026)

<h1 style="text-align: center;">Notice of Amendment to the Business Banking Tariff (Effective from 1 September 2026)</h1>
&nbsp;
We are updating the Business Banking Tariff to include the average daily market value of investment assets in the Total Relationship Balance, which will be effective from 1 September 2026. Please read this notice carefully to better protect your interests. Please note that the amendments will be deemed accepted by you if you use or continue to use related products or services on or after 1 September 2026. If you refuse to accept the amendments, you have the right to terminate the products or services according to the relevant provisions under ZA Bank's&nbsp;<a style="color: rgb(24, 144, 255);" tabindex="-1" href="https://bank.za.group/agreement/pdf/en_US/1000670">General Account Terms and Conditions</a>&nbsp;before the above-mentioned date.
&nbsp;
Amendments to the Business Banking Tariff are listed below:
&nbsp;
<table style="width: 100.017%; border-collapse: collapse; border: 1px solid rgb(0, 0, 0);" border="1">
<tbody>
<tr>
<td style="width: 19.6487%; text-align: center; border: 1px solid rgb(0, 0, 0);">Banking Service</td>
<td style="width: 40.832%; text-align: center; border: 1px solid rgb(0, 0, 0);">Current Fee</td>
<td style="width: 39.4515%; text-align: center; border: 1px solid rgb(0, 0, 0);">New Fee</td>
</tr>
<tr>
<td style="width: 19.6487%; text-align: center; border: 1px solid rgb(0, 0, 0);">6.7 Monthly service fee1,2</td>
<td style="width: 40.832%; border: 1px solid rgb(0, 0, 0);">
Prepay for the first 12 months' worth of service fees to activate the account. - Account opening via website
HKD 1,500
&nbsp;
The first 12 months' monthly service fee - Account opening via RM
Waived
&nbsp;
The monthly service fee for the 13th&nbsp;month and thereafter is levied based on your total relationship balance@&nbsp;for the previous month.
- HKD 50,000 or above&nbsp; Waived
- Below HKD 50,000&nbsp; &nbsp; &nbsp;HKD 138
&nbsp;
@&nbsp;The Total Relationship Balance ("TRB") is calculated based on balances and transaction activities of your company's accounts maintained with ZA Bank using the same business registration number. The TRB includes:
- Average daily HKD/CNY/Foreign currency deposits balances;
- Average daily HKD outstanding loan principal;
- Payroll amount;
- Overseas outward remittance amount;
- Currency exchange selling amount;
&nbsp;
Note: The currency exchange amount will be converted into HKD based on the prevailing exchange rate at the time of the transaction, while other services such as deposits, transfers, and loans will be converted into HKD at the prevailing exchange rate determined by the bank at its sole discretion.
</td>
<td style="width: 39.4515%; border: 1px solid rgb(0, 0, 0);">
&nbsp;
&nbsp;
Prepay for the first 12 months' worth of service fees to activate the account. - Account opening via website
HKD 1,500
&nbsp;
The first 12 months' monthly service fee - Account opening via RM
Waived
&nbsp;
The monthly service fee for the 13th&nbsp;month and thereafter is levied based on your total relationship balance@&nbsp;for the previous month.
- HKD 50,000 or above&nbsp; Waived
- Below HKD 50,000&nbsp; &nbsp; &nbsp;HKD 138
&nbsp;
@&nbsp;The Total Relationship Balance ("TRB") is calculated based on balances and transaction activities of your company's accounts maintained with ZA Bank using the same business registration number. The TRB includes:
- Average daily HKD/CNY/Foreign currency deposits balances;
- Average daily HKD outstanding loan principal;
- Average daily market value of investment assets;
- Payroll amount;
- Overseas outward remittance amount;
- Currency exchange selling amount;
&nbsp;
Note: The currency exchange amount will be converted into HKD based on the prevailing exchange rate at the time of the transaction, while other services such as deposits, transfers, loans and investments will be converted into HKD at the prevailing exchange rate determined by the bank at its sole discretion.
</td>
</tr>
</tbody>
</table>
&nbsp;
1&nbsp;Exemptions are available for customers involved in activities of charity organisations (non-religious), residential care activities for the elderly (including nursing homes for the elderly), residential care activities for persons with disabilities, and the special education sector.
&nbsp;
2&nbsp;The monthly service fee will be charged from the business HKD savings account. An account that was used for less than a month will be considered as having been used for a full month. The monthly service fee for the 13th&nbsp;month and thereafter will be charged on the 3rd&nbsp;working day of each month.
&nbsp;
For more details, please refer to the updated&nbsp;<a style="color: rgb(24, 144, 255);" tabindex="-1" href="https://bank.za.group/agreement/pdf/en_US/1002582">Business Banking Tariff (Version of 1 September 2026)</a>.
&nbsp;
For further enquiries, please contact our customer service hotline at (852) 3665 3665.

Notice of Amendment to the Business Banking Tariff (Effective from 1 September 2026)

Notice of CNY Savings Annual Interest Rate Adjustment
<img style="display: block; margin: 0px auto; width: 1440px; max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/08bffddb-fac4-4124-8d5f-d651c2df1e05/7ff42a0d-b815-4d94-953d-8ce45f16dcce/480 251 (1).png" alt="" height="auto">
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<div class="ace-line ace-line old-record-id-SUVddBfGtoSAFyxcPgkcrEITnyc">We would like to inform you about the update on the CNY savings annual interest rate. With effect from 24 July 2026, the CNY savings annual interest rate for ZA Bank will be adjusted as follows:&nbsp;</div>
<div class="ace-line ace-line old-record-id-SUVddBfGtoSAFyxcPgkcrEITnyc">&nbsp;</div>
</div>
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<div>
<table class="ace-table" style="border-collapse: collapse; border: 1px solid rgb(0, 0, 0); width: 100%; height: 111.992px;" border="1" data-ace-table-col-widths="355;355"><colgroup><col style="width: 58.7444%;" width="355"><col style="width: 41.2556%;" width="355"></colgroup>
<tbody>
<tr style="height: 22.3984px;">
<td style="text-align: center; border: 1px solid rgb(0, 0, 0); height: 22.3984px; padding: 10px;" colspan="1" rowspan="1">
<div class="ace-line ace-line old-record-id-EcOpdZWqGo9NLXxreYAcM6gxnOf">Account</div>
</td>
<td style="text-align: center; border: 1px solid rgb(0, 0, 0); height: 22.3984px; padding: 10px;" colspan="1" rowspan="1">
<div class="ace-line ace-line old-record-id-Nd3MdAw6ao5GmRx1JoBcfDtwnph">CNY Savings Annual Interest Rate</div>
</td>
</tr>
<tr style="height: 22.3984px;">
<td style="border: 1px solid rgb(0, 0, 0); height: 22.3984px; padding: 10px;" colspan="1" rowspan="1">
<div class="ace-line ace-line old-record-id-XR1mdQRDaorT7uxL1Zdc9WL2nMg">Savings Account</div>
</td>
<td style="text-align: right; border: 1px solid rgb(0, 0, 0); height: 22.3984px; padding: 10px;" colspan="1" rowspan="1">
<div class="ace-line ace-line old-record-id-TMO3dqHcQoUFKDxDVrHcSttFnbf">0.01%</div>
</td>
</tr>
<tr style="height: 22.3984px;">
<td style="border: 1px solid rgb(0, 0, 0); height: 22.3984px; padding: 10px;" colspan="1" rowspan="1">
<div class="ace-line ace-line old-record-id-CuFIdbnSkoPfL5x4xkZc9sKbnmf">Savings Sub-account</div>
</td>
<td style="text-align: right; border: 1px solid rgb(0, 0, 0); height: 22.3984px; padding: 10px;" colspan="1" rowspan="1">
<div class="ace-line ace-line old-record-id-QoBud1NWVoQK7HxZM1gc7khwnrg">0.01%</div>
</td>
</tr>
<tr style="height: 44.7969px;">
<td style="border: 1px solid rgb(0, 0, 0); height: 44.7969px; padding: 10px;" colspan="1" rowspan="1">
<div class="ace-line ace-line old-record-id-Bn0wdK1qaouHDpxVwtxcPeThn8g">Cross-boundary Wealth Management Connect Southbound Scheme Dedicated Investment Account</div>
</td>
<td style="text-align: right; border: 1px solid rgb(0, 0, 0); height: 44.7969px; padding: 10px;" colspan="1" rowspan="1">
<div class="ace-line ace-line old-record-id-QHn2deiXookMwsxS6UVcJRCenYb">0.01%</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
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<div class="ace-line ace-line old-record-id-RFDxd5Vhho8uhVxSE2ScLX3qnBf">&nbsp;</div>
<div class="ace-line ace-line old-record-id-RFDxd5Vhho8uhVxSE2ScLX3qnBf">We are preparing more thoughtful services and products for you, so please stay tuned. Thank you for your continued support. If you need any assistance, please contact us via the ZA Bank App.</div>
</div>
</div>
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<div class="ace-line ace-line old-record-id-LncUdnLj1oWFrPxY8AJcwOtrnUf">&nbsp;</div>
<div class="ace-line ace-line old-record-id-LncUdnLj1oWFrPxY8AJcwOtrnUf">ZA Bank</div>
</div>
</div>

Notice of CNY Savings Annual Interest Rate Adjustment

<h1 class="MsoNormal" style="text-align: center;" align="center"></h1>
<h1 style="text-align: center; font-family: Calibri, Arial, sans-serif; font-size: 24px; font-weight: bold; margin: 0 0 16px 0;">FPS scheduled maintenance</h1>
Due to FPS system maintenance, the following FPS-related services will not be available from 00:30 a.m. to 11:30 a.m. on 9 August 2026 (Sunday). Please arrange your payments in advance as needed.
For enquiries, please contact our customer service team via the ZA Bank App.
<table style="border-collapse: collapse; width: 100%; border: 1px solid #000; font-family: Calibri, Arial, sans-serif; font-size: 14px;" border="1"><colgroup> <col style="width: 47.6%;"> <col style="width: 26.2%;"> <col style="width: 26.2%;"> </colgroup>
<tbody>
<tr>
<td style="border: 1px solid #000; padding: 8px; vertical-align: top; text-align: left;">Service Affected</td>
<td style="border: 1px solid #000; padding: 8px; vertical-align: top; text-align: left;">From</td>
<td style="border: 1px solid #000; padding: 8px; vertical-align: top; text-align: left;">To</td>
</tr>
<tr>
<td style="border: 1px solid #000; padding: 8px; vertical-align: top; text-align: left;">
ZA Bank App
1. Local transfer (via FPS, including eDDA)
2. Lai See
3. Easy Deposit
4. My FPS (registration and management)
5. Global Transfer
6. Card Transfer Instalment Program or Debt Consolidation Program payment to other institutions
7. Payment Connect
Business Internet Banking
1. FPS registration and management
2. Local transfer (via FPS)
</td>
<td style="border: 1px solid #000; padding: 8px; vertical-align: top; text-align: left;">
9 August 2026 (Sunday) 00:30 a.m.
</td>
<td style="border: 1px solid #000; padding: 8px; vertical-align: top; text-align: left;">
9 August 2026 (Sunday) 11:30 a.m.
</td>
</tr>
</tbody>
</table>

FPS maintenance – 9 August 2026 (Sunday) 00:30 to 11:30 

<h2 id="content-width-wrapper" style="max-width: 720px; margin: 0 auto; padding: 0; box-sizing: border-box;">Payment Connect system maintenance&nbsp;</h2>
&nbsp;
Due to system maintenance,&nbsp;northbound transfers&nbsp;via Payment Connect&nbsp;will be unavailable from&nbsp;00:00 to 06:00&nbsp;on 19 July 2026 (Sunday).&nbsp;Users may wish to make advance arrangements or postpone any transfers as necessary.&nbsp;
&nbsp;
For enquiries, please contact us&nbsp;via the ZA Bank App.&nbsp;&nbsp;&nbsp;

Payment Connect system maintenance - 19 July 2026 (Sunday) 00:00 to 06:00

Beware of fraudulent ZA Bank websites
ZA Bank has identified scam websites impersonating the Bank. We hereby state that ZA Bank has no connection with the websites listed below. Please remain vigilant, do not click on or respond to any suspicious links, and do not call telephone numbers from unknown sources.
Fraudulent websites:
https[:]//zongbvip[.]com/ https[:]//zog-vip[.]com/ https[:]//zogvip[.]com/
Please note that ZA Bank’s official website is bank.za.group/hk/. For your account security, please download the ZA Bank App only from the App Store, Google Play, or our official website. If you have any doubts about a caller’s identity, encounter anyone claiming to represent ZA Bank or promote ZA Bank’s products and services (including intermediaries), or suspect any suspicious or unauthorised transactions or activity on your account, please contact us immediately via the ZA Bank App online chat or by calling our hotline on (852) 3665 3665 / (852) 3665 3660.
To protect your personal information and funds, please stay alert at all times. If you suspect you have been scammed, please contact us immediately and report the matter to the Police.
&nbsp;
Here are screenshots of fraudulent websites:
<img style="max-width: 100%; display: block; margin: 0px auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/00daa05f-2782-4c01-908d-6e05698f5a8a/22561b90-d867-45bf-8866-be84ca689f4a/image.png" height="auto">
&nbsp;

Important Notice: Beware of fraudulent ZA Bank websites

Important Notice: Beware of fraudulent ZA Bank partner companies
ZA Bank has recently identified scammers impersonating a partner company of the Bank to conduct suspected fraudulent activities. We wish to state clearly that ZA Bank has no association with “ZA Repay”, and the said website and mobile App have not been authorised or endorsed by us. Customers are advised to remain vigilant. Please do not click on or reply to any suspicious links, and do not call telephone numbers from unknown sources.
&nbsp;
Below is the information of the fraudulent partner company:
Website: hxxps[:]//www[.]zarepay[.]co/
App: "ZA Repay"
&nbsp;
If you&nbsp;doubt&nbsp;the identity of a caller, any apparent intermediary/representative who promotes ZA Bank’s products or services, or any fraudulent transaction or&nbsp;unauthorised&nbsp;activity related to your account, please contact us via the ZA Bank App online chat or our hotline at (852) 3665 3665/ (852) 3665 3660&nbsp;immediately.
&nbsp;
To protect your personal information and funds, please stay alert at all times. If you suspect you may have been targeted by a scam, please contact us immediately and report the matter to the Police.
<img style="max-width: 100%; display: block; margin: 0px auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bede69dd-b014-4ba4-b0cc-6a3e33e380a8/b130f403-ad5e-42bf-ba00-f78d445d993d/image.png" height="auto">
<img style="max-width: 100%; display: block; margin: 0px auto;" src="https://static.wixstatic.com/media/f571a0_3bdf2ff0794b48a4bc07c723a3b7bbad~mv2.png/v1/fill/w_214,h_322,al_c,q_85,usm_0.66_1.00_0.01,enc_avif,quality_auto/f571a0_3bdf2ff0794b48a4bc07c723a3b7bbad~mv2.png" alt="ZA R .png" height="auto">
&nbsp;
<img style="max-width: 100%; display: block; margin: 0px auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bede69dd-b014-4ba4-b0cc-6a3e33e380a8/ca429a75-9806-4149-8e60-1ef696f41766/image.png" height="auto">

Important Notice: Beware of fraudulent ZA Bank partner companies

<h2 class="MsoNormal">Payment Connect system maintenance&nbsp;</h2>
&nbsp;
Due to system maintenance, northbound transfers via Payment Connect will be unavailable from 00:00 to 06:00 on 14 June 2026 (Sunday). Users may wish to make advance arrangements or postpone any transfers as necessary.&nbsp;
&nbsp;
<span style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-fareast-font-family: DengXian; mso-fareast-theme-font: minor-fareast; mso-ansi-language: EN-HK; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">For enquiries, please contact our customer service at <span lang="EN-US" style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-fareast-font-family: DengXian; mso-fareast-theme-font: minor-fareast; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">(<span style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-fareast-font-family: DengXian; mso-fareast-theme-font: minor-fareast; mso-ansi-language: EN-HK; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">852<span lang="EN-US" style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-fareast-font-family: DengXian; mso-fareast-theme-font: minor-fareast; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">)<span style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-fareast-font-family: DengXian; mso-fareast-theme-font: minor-fareast; mso-ansi-language: EN-HK; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> 3665 3665 or via the ZA Bank App<span lang="EN-US" style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-fareast-font-family: DengXian; mso-fareast-theme-font: minor-fareast; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">.&nbsp;&nbsp;&nbsp;

Payment Connect system maintenance – 14 June 2026 (Sunday) 00:00 to 06:00 

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Notice of Amendment to the “ZA Credit Terms and Conditions”, effective from 1 July 2026&nbsp;
&nbsp;
<span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">At ZA Bank, we continue to listen to our users’ feedback and improve our banking services. Therefore, we are updating the ZA Credit Terms and Conditions (“Revised Terms”). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.&nbsp;
<span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">We have outlined the major changes to the Revised Terms in the table below for your information.
</div>
<div class="OutlineElement Ltr SCXW163992327 BCX8">
<div class="OutlineElement Ltr SCXW233781876 BCX8">
<table style="border-collapse: collapse; border: 1px solid rgb(0, 0, 0); width: 99.4543%;" border="1"><colgroup><col style="width: 19.1621%;"><col style="width: 69.3853%;"><col style="width: 11.4354%;"></colgroup>
<tbody>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">Section&nbsp;</td>
<td style="border: 1px solid rgb(0, 0, 0);">Purpose of the changes and what they mean for you&nbsp;</td>
<td style="border: 1px solid rgb(0, 0, 0);">Clause&nbsp;</td>
</tr>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">5.&nbsp;Availability and credit limit of the ZA Credit&nbsp;</td>
<td style="border: 1px solid rgb(0, 0, 0);">
<div class="OutlineElement Ltr SCXW7928144 BCX8">
Revised refund arrangements on ZA Credit spending:
</div>
In the event of any refunds for transactions made using ZA Credit, and the refund can be linked to the original transaction, the refund amount will first be restored to the credit limit of your ZA Credit. If the refund cannot be linked to the original transaction, or your ZA Credit has been terminated at the time of the refund, or the refund amount exceeds your ZA Credit outstanding amount at that time, the refund amount or the portion exceeding the outstanding amount will be credited to your Designated Account
<div class="OutlineElement Ltr SCXW7928144 BCX8">
&nbsp;
</div>
</td>
<td style="border: 1px solid rgb(0, 0, 0);">5.3(b)(iii)&nbsp;</td>
</tr>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">6. Priority Payment&nbsp;</td>
<td style="border: 1px solid rgb(0, 0, 0);">
<div class="OutlineElement Ltr SCXW200075742 BCX8">&nbsp;</div>
<div class="OutlineElement Ltr SCXW200075742 BCX8">Revised refund arrangements on ZA Credit spending:</div>
<div class="OutlineElement Ltr SCXW200075742 BCX8">&nbsp;</div>
<div class="OutlineElement Ltr SCXW200075742 BCX8">When the priority payment method of your ZA Card is switched from ZA Credit to your Designated Account, all ZA Card transactions processed through the VISA network (including any automatic payments and other recurring transactions that you have set up with ZA Card when your ZA Card is linked to ZA Credit) will be debited from your Designated Account.</div>
<div class="OutlineElement Ltr SCXW200075742 BCX8">&nbsp;</div>
</td>
<td style="border: 1px solid rgb(0, 0, 0);">6.3(b)&nbsp;</td>
</tr>
</tbody>
</table>
You can download a PDF version of the Revised Terms via <a style="color: rgb(24, 144, 255);" href="https://bank.za.group/agreement/pdf/en_US/1002463">this link</a>.
</div>
<div class="OutlineElement Ltr SCXW233781876 BCX8">
<span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select “About ZA”) or our website under the “Terms and Conditions” section.
<span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Please note that the Revised Terms<span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"> shall be binding on you if you do not terminate the above mentioned products or services before 1 July 2026. If you decline to accept the Revised Terms<span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">, you have the right to terminate the products or services in accordance with the relevant provisions under the <span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: ZH-CN;">existing <span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Terms and Conditions before the above mentioned date.
<span style="font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Please feel free to get in touch with us through the ZA Bank App if you need any assistance. 
</div>
<div class="OutlineElement Ltr SCXW233781876 BCX8">
<span style="font-size: 11.0pt; line-height: 107%; font-family: DengXian; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA;">30 April 2026
</div>
</div>

Notice of Amendment to the “ZA Credit Terms and Conditions”, effective from 1 July 2026 

<h2 class="MsoNormal" style="text-align: center;" align="center">&nbsp;Transfer system scheduled maintenance</h2>
Due to system maintenance, the following transfer-related services will be unavailable from 00:00 to 06:00 on 19 April 2026 (Sunday). Customers may wish to make advance arrangements for their payment activities as necessary.
For enquiries, please contact our customer service at (852) 3665 3665 or via the ZA Bank App.
<table style="border-collapse: collapse; border: 1px solid rgb(0, 0, 0); width: 100.03%;" border="1"><colgroup><col style="width: 33.3333%;"><col style="width: 33.3333%;"><col style="width: 33.3333%;"></colgroup>
<tbody>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">Services Affected</td>
<td style="border: 1px solid rgb(0, 0, 0);">From</td>
<td style="border: 1px solid rgb(0, 0, 0);">To</td>
</tr>
<tr>
<td style="border: 1px solid rgb(0, 0, 0);">
ZA Bank App
<ul>
<li>Local transfer (by FPS)</li>
<li>Easy Deposit&nbsp;</li>
<li>My FPS (registration and management)</li>
<li>Global Transfer via Wise</li>
<li>Card Statement Instalment Program or Debt Consolidation Program payment to other institutions</li>
<li>Payment Connect&nbsp;</li>
</ul>
Business Internet Banking
<ul>
<li>FPS registration and management&nbsp;</li>
<li>Local transfer (via FPS)</li>
</ul>
</td>
<td style="border: 1px solid rgb(0, 0, 0);">
19 April 2026 (Sunday) 00:00 a.m.
</td>
<td style="border: 1px solid rgb(0, 0, 0);">
19 April 2026 (Sunday) 06:00 a.m.
</td>
</tr>
</tbody>
</table>

Transfer system maintenance – 19 April 2026 (Sunday) 00:00 to 06:00 

Notice of Amendment to the “Fees and Charges Guide for Individual Customers”  (Effective from 1 June 2026)

<h2 style="text-align: center;">Updates on "Easy Deposit"</h2>
<h2 style="text-align: center;">(Effective from 19 March 2026)</h2>
&nbsp;
User experience has always been our drive to keep moving forward and upward. We will amend the services of "Easy Deposit", effective from 19 Mar 2026:
• &nbsp;The single transaction limit for depositing money from&nbsp;Standard Chartered Bank (Hong Kong) Limited&nbsp;and&nbsp;CMB Wing Lung Bank Limited&nbsp;will&nbsp;be&nbsp;increased&nbsp;to HKD&nbsp;10,000&nbsp;from HKD&nbsp;2,000.&nbsp;If you&nbsp;have already linked the accounts from&nbsp;the banks above and&nbsp;need to adjust the single transaction limit, please go to&nbsp;ZA Bank App homepage → Swipe the yellow button downward to&nbsp;enter "Easy Deposit" page→ Select "Deposit from Standard Chartered Bank (Hong Kong) Limited“ or&nbsp;“Deposit&nbsp;from CMB Wing Lung Bank Limited" (if any) →&nbsp;Tap&nbsp;"Increase limit".&nbsp;
In summary, you can deposit money from the following banks via&nbsp;"Easy Deposit" for free once the changes are effective:
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•&nbsp; Bank of Communications (Hong Kong) Ltd.
•&nbsp; Chong Hing Bank Limited
•&nbsp; Mox Bank Limited
•&nbsp; Livi Bank Limited
•&nbsp; Airstar Bank Limited
•&nbsp; WeLab Bank Limited
•&nbsp; Citibank (Hong Kong) Limited
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<td style="height: 22.3945px;">Limit of a single transaction is HKD 1,000,000</td>
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•&nbsp; China CITIC Bank International Limited
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<div>Limit of a single transaction is HKD 50,000</div>
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<div>As for other transaction amounts:</div>
•&nbsp; You can make multiple transfers via "Easy Deposit" or,
•&nbsp; Use the instant and free transfer function through Faster Payment System (FPS)
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•&nbsp; DBS Bank (Hong Kong) Ltd.
•&nbsp; Chiyu Banking Corporation Limited
•&nbsp; Bank of China (Hong Kong)
•&nbsp; The Hongkong and Shanghai Banking Corporation Limited
•&nbsp; Hang Seng Bank Ltd
• Standard Chartered Bank (Hong Kong) Limited
• CMB Wing Lung Bank Limited
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Limit of a single transaction is HKD 10,000 As for other transaction amounts:
•&nbsp; You can make multiple transfers via "Easy Deposit" or,
•&nbsp; Use the instant and free transfer function through Faster Payment System (FPS)
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&nbsp;
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If you have any questions about our service update, please call our 24/7 customer service hotline on 3665 3665, or log in to the ZA Bank App to contact us. Thank you for your support!
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Updates on "Easy Deposit" (Effective from 19 March 2026)

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​We are updating the “Fees and Charges Guide for&nbsp;Investment&nbsp;Services” (“Fees and Charges Guides”), which will be effective&nbsp;on&nbsp;the date below. While this may sound like another boring update, please take a few minutes to carefully&nbsp;read through&nbsp;this notice to better protect your interests.
Amendments to the Fees and Charges Guides are listed below:&nbsp;
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1) This Fees &amp; Charges Guide is applicable to Retail Banking Customers only
2)&nbsp;Securities Services (HK Securities) (effective from 6 March 2026)
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Service
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Current Fees and Charges
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New Fees and Charges
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Stamp Duty 
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0.1% of transaction amount
(Collected for HKSAR Government)
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0.1% of transaction amount, rounded up to the nearest dollar
(Collected by HKSAR Government)
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​Please note that&nbsp;the amendments will be legally binding on you if you do not&nbsp;terminate&nbsp;the&nbsp;Investment Services&nbsp;before&nbsp;respective effective dates. If you decline to accept the amendments, you have the right to&nbsp;terminate&nbsp;using the services according to the relevant provisions under ZA Bank’s Terms and Conditions for Investment Services.&nbsp;
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​&nbsp;Please feel free to&nbsp;get in touch with&nbsp;us through the ZA Bank App if you need any&nbsp;assistance.&nbsp;
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Notice of Amendment to “Fees and Charges Guide for Investment Services”

Notice of Amendment to “Fees and Charges Guide for Investment Services”(effective from 6 March 2026)

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​We are updating the “Fees and Charges Guide for&nbsp;Investment&nbsp;Services” (“Fees and Charges Guides”), which will be effective&nbsp;on&nbsp;the date below. While this may sound like another boring update, please take a few minutes to carefully&nbsp;read through this notice to better protect your interests. 
Amendments to the Fees and Charges Guides are listed below:&nbsp;
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​ Securities Services (HK Securities) (effective from&nbsp;1&nbsp;February 2026)&nbsp;
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​ Securities Services (US Securities)&nbsp;(effective from&nbsp;1&nbsp;February&nbsp;2026)&nbsp;
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​ Virtual Asset Service (effective from&nbsp;1&nbsp;February 2026)&nbsp;
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​ Please note that&nbsp;the amendments will be legally binding on you if you do not&nbsp;terminate&nbsp;the&nbsp;Investment Services&nbsp;before&nbsp;respective effective dates. If you decline to accept the amendments, you have the right to&nbsp;terminate&nbsp;using the services according to the relevant provisions under ZA Bank’s Terms and Conditions for Investment Services.&nbsp;
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​ Please feel free to&nbsp;get in touch with&nbsp;us through the ZA Bank App if you need any&nbsp;assistance.&nbsp;
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Notice of Amendment to “Fees and Charges Guide for Investment Services”(effective from 1 February 2026) 

Notice of service termination
&nbsp;
The TransUnion Credit Alert Service provided to ZA Bank users will be terminated on 25 February 2026 (Wednesday), and no new applications will be accepted starting from today. You will not be able to access any of the records after the termination. 
&nbsp;
If you wish to use the similar service of TransUnion Credit Alert, please contact the customer service department of TransUnion Credit Information Services Limited at +852 2577 1816 for more information.
&nbsp;
<span lang="EN-HK" style="font-size: 12.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-fareast-font-family: PMingLiU; mso-ansi-language: EN-HK; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA;">For other enquiry, please contact our customer service at +852 3665 3665&nbsp;or in the ZA Bank App.

Termination of TransUnion Credit Alert service (starting from 25 Feb 2026)

Important Notice: 
Beware of Fraudulent SMS Messages&nbsp;
&nbsp;
ZA Bank has recently identified incidents involving fraudulent SMS messages impersonating our name. We urge all users to remain vigilant.&nbsp;Do not respond to such messages, click on suspicious links, or call any unknown phone numbers.
&nbsp;
We would like to make the following clear:
- Effective from 28 January 2024, ZA Bank has been issuing text messages under the sender names “#ZABank”, “#ZA Bank”, or “#ZA_Bank”. Should you receive a message that does not commence with the “#” symbol, please be advised that it may have originated from an unregistered or unauthenticated sender.
- For users with Mainland China mobile numbers (+86): From mid-March 2026, official SMS messages sent by ZA Bank to Mainland China mobile numbers will carry the signature【众安】. If users with Mainland China mobile numbers receive an SMS message without the 【众安】 signature, please be on high alert;
- ZA Bank does not handle any matters related to third-party merchant accounts. Please disregard any messages suggesting otherwise.
- Do not click on unknown links or call unfamiliar numbers;
- Never disclose sensitive personal information (such as username, PIN, one-time password (OTP), or ZA Card details) to anyone via phone call or email.
&nbsp;
If you have any questions about your ZA Bank account, please contact us directly through the CS function in the ZA Bank App or call our&nbsp;24-hour customer service hotline at 3665 3665.
&nbsp;
To protect your personal information, please remain alert at all times. If you suspect a scam, contact us immediately or report it to the police.

Beware of Fraudulent SMS Messages 

Important Notice: Beware of Fraudulent SMS Messages 

<h1 style="text-align: center;">CHATS, SWIFT&nbsp;and Payment Connect&nbsp;Scheduled&nbsp;Maintenance</h1>
<h1 style="text-align: center;">&nbsp;</h1>
Due to system maintenance, the following transfer-related services will not be available during the specified periods. Please arrange your payments in advance as needed.&nbsp;
&nbsp;
For enquiries, please contact our customer service team at (852) 3665 3665 or via the ZA Bank App.&nbsp;
&nbsp;
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<td>Services Affected&nbsp;</td>
<td>From</td>
<td>To</td>
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<td>
ZA Bank App&nbsp;
1. Local USD outward transfer
&nbsp;
Business Internet Banking&nbsp;
1. Single outward transfer (by CHATS)&nbsp;
2. Bulk outward transfer (by CHATS)&nbsp;
3. Local &amp; overseas outward telegraphic transfer&nbsp;
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<td>21 November 2025 (Friday) 16:00&nbsp;</td>
<td>24 November 2025 (Monday) 08:30&nbsp;</td>
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<td>
ZA Bank App&nbsp;
1. Northbound transfers via Payment Connect &nbsp;
</td>
<td>23 November 2025 (Sunday) 00:00 &nbsp;</td>
<td>23 November 2025 (Sunday) 06:00&nbsp;</td>
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<h1 style="text-align: left;">&nbsp;</h1>

CHATS, SWIFT and Payment Connect Scheduled Maintenance 

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​We are updating the “Fees and Charges Guide for Investment Services” (“Fees and Charges Guides”), which will be effective the date below. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests. &nbsp; &nbsp;
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​Amendments to the Fees and Charges Guides are listed below:&nbsp;
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​Securities Services (US Securities) (effective from 1 December 2025)&nbsp; <img style="float: left; max-width: 100%; display: block; margin: 0px auto; width: 800px;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b60bdac9-8fb5-4c85-93d8-60456e37329b/85d0090d-1132-4143-aa65-9df14d87b27c/英文.png" alt="" height="auto">
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​
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Please note that the amendments will be legally binding on you if you do not terminate the Investment Services before respective effective dates. If you decline to accept the amendments, you have the right to terminate using the services according to the relevant provisions under ZA Bank’s Terms and Conditions for Investment Services.&nbsp;
&nbsp;
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​Please feel free to get in touch with us through the ZA Bank App if you need any assistance.&nbsp;
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Notice of Amendment to “Fees and Charges Guide for Investment Services”   (effective from 1 December 2025) 

Terms and Conditions for Investment Services

Notice of Amendment to “Terms and Conditions for Investment Services” (effective from 15 October 2025)

<h1 style="text-align: center;">Payment Connect system maintenance</h1>
&nbsp;
Due to system maintenance, northbound transfers via Payment Connect will be unavailable from 00:00 to 06:00 on 21 September 2025 (Sunday). Users may wish to make advance arrangements or postpone any transfers as necessary.&nbsp;
For enquiries, please contact our customer service at (852) 3665 3665 or via the ZA Bank App.&nbsp;&nbsp;

Payment Connect system maintenance – 21 September 2025 (Sunday) 00:00 to 06:00 

Notice of Amendment to the Business Banking Tariff (Effective from 1 September 2025)
&nbsp;
We are updating the Business Banking Tariff, which will be effective from 1 September 2025. Please read this notice carefully to better protect your interests.&nbsp;
&nbsp;
Amendments to the Business Banking Tariff are listed below:
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<td style="height: 67.1875px; text-align: center;">4.2</td>
<td style="height: 67.1875px; text-align: center;">Business Internet Banking - Monthly service fee</td>
<td style="height: 67.1875px; text-align: center;">Waived</td>
<td style="height: 67.1875px; text-align: center;">Removed</td>
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<td style="height: 67.1875px; text-align: center;">5.1</td>
<td style="height: 67.1875px; text-align: center;">Account opening - Account opening via website1</td>
<td style="height: 67.1875px; text-align: center;">HKD 1,200</td>
<td style="height: 67.1875px; text-align: center;">Waived</td>
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<td style="height: 67.1875px; text-align: center;">5.2</td>
<td style="height: 67.1875px; text-align: center;">Company search - Account opening via website2</td>
<td style="height: 67.1875px; text-align: center;">HKD 300</td>
<td style="height: 67.1875px; text-align: center;">Waived</td>
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<td style="height: 1238.12px; text-align: center;">5.7</td>
<td style="height: 1238.12px; text-align: center;">Monthly service fee3,4,5</td>
<td style="height: 1238.12px;">Not Applicable</td>
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Prepay for the first 12 months' worth of service fees to activate the account - Account opening via website&nbsp; HKD 1,500
The first 12 months' monthly service fee - Account opening via RM Waived
The monthly service fee for the 13th month and thereafter is levied based on your total relationship balance@ for the previous month. -HKD 50,000 or above &nbsp;Waived -Below HKD 50,000 &nbsp; &nbsp; HKD 138
@ The Total Relationship Balance ("TRB") is calculated based on balances and transaction activities of your company's accounts maintained with ZA Bank using the same business registration number. The TRB includes: - Average daily HKD/CNY/Foreign currency deposits balances; - Average daily HKD outstanding loan principal; - Payroll amount; - Overseas outward remittance amount; - Currency exchange selling amount;
Note: The currency exchange amount will be converted into HKD based on the prevailing exchange rate at the time of the transaction, while other services such as deposits, transfers, and loans will be converted into HKD at the prevailing exchange rate determined by the bank at its sole discretion.
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&nbsp;
1 For account opening applications received by our bank before 1 September 2025, the account opening fee shall be HKD 1,200. 2 For account opening applications received by our bank before 1 September 2025, the company search fee is HKD 300. 3 Exemptions are available for customers involved in activities of charity organisations (non-religious), residential care activities for the elderly (including nursing homes for the elderly), residential care activities for persons with disabilities, and the special education sector. 4 The monthly service fee will be charged from the business HKD savings account. An account that was used for less than a month will be considered as having been used for a full month. The monthly service fee for the 13th month and thereafter will be charged on the 3rd working day of each month.&nbsp; 5 For all account opening applications submitted to our bank before 1 September 2025, the monthly service fee will be waived for 12 months (starting from 1 September 2025 or the month when account opening fee was paid, whichever is later). For more details, please refer to the relevant email notification.
&nbsp;
For more details, please refer to the updated <a href="https://bank.za.group/agreement/pdf/en_US/1002145" target="_blank" rel="noopener">Business Banking Tariff (Version of 1 September 2025)</a>.
&nbsp;
Please note that the amendments will be deemed accepted by you if you use or continue to use related products or services on or after 1 September 2025. If you refuse to accept the amendments, you have the right to terminate the products or services according to the relevant provisions under ZA Bank's <a href="https://bank.za.group/agreement/pdf/en_US/1000670" target="_blank" rel="noopener">General Account Terms and Conditions</a> before the above-mentioned date.
&nbsp;
If you have any questions, please contact our customer service team at (852) 3665 3665.
&nbsp;
ZA Bank

Notice of Amendment to the Business Banking Tariff (Effective from 1 September 2025)

System Maintenance&nbsp;
&nbsp;
Due to system maintenance, the following banking services will not be available from 03:00 a.m. to 05:00 a.m. on 21 June 2025 (Saturday). &nbsp; &nbsp; You may wish to make relevant arrangements in advance if necessary. If you have a loan that is due for repayment on the maintenance day, you can make repayment as usual after system maintenance.&nbsp; &nbsp; If you have any enquiries or encounter any issues, please contact our customer service at +852 3665 3665 or in the ZA Bank App.&nbsp;
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<td style="border-width: 3px; border-color: rgb(0, 0, 0);">Services Affected&nbsp;</td>
<td style="border-width: 3px; border-color: rgb(0, 0, 0);">From&nbsp;</td>
<td style="border-width: 3px; border-color: rgb(0, 0, 0);">To&nbsp;</td>
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&nbsp; &nbsp;ZA Bank App
&nbsp;- Loan details and related enquiries&nbsp;
&nbsp;- Loan application, confirmation and drawdown&nbsp;
&nbsp;- Loan repayment &nbsp;
&nbsp;- ZA Card transactions using ZA Credit&nbsp;
&nbsp;- Cancellation of ZA Bank account&nbsp;
</td>
<td style="border-width: 3px; border-color: rgb(0, 0, 0);">21 June 2025 (Saturday) 03:00 a.m.&nbsp;</td>
<td style="border-width: 3px; border-color: rgb(0, 0, 0);">21 June 2025 (Saturday) 05:00 a.m.&nbsp;</td>
</tr>
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System Maintenance – 21 June 2025 (Saturday) 03:00 a.m. – 05:00 a.m. 

<h1 style="text-align: center;">Refined measures for real-time fund transfers</h1>
&nbsp;
We would like to inform you that we have adopted enhanced measures for real-time fund transfers through the Faster Payment System (&ldquo;FPS&rdquo;) and our intra-bank fund transfer system to align with guidelines issued by the Hong Kong Monetary Authority. This is to help reduce the chances of incorrect fund transfers made by customers, which are due to mistakenly inputting the wrong payee bank account number. Just a reminder: a) When you make a real-time fund transfer through FPS, you should carefully verify the payment details, including, among others, the payee's name and account number, etc. It is unlikely that you can stop a transfer after it has been effected.
(b) Where (i) you as a payer input the payee's bank account number as the identifier and (ii) the payee institution is a retail bank, fund transfers of HKD 1,000 or above (or other currencies of an equivalent amount) will generally be subject to the payee bank's own name checking process.&nbsp;
(c) In other cases, such as fund transfers of less than HKD 1,000 (or other currencies of an equivalent amount) or if the payee institution is not a retail bank, the name checking process may not be conducted. Please feel free to get in touch with us through the ZA Bank App if you need any assistance.

Refined measures for real-time fund transfers

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<h2 style="text-align: center;">Updates on "Easy Deposit"</h2>
<h2 style="text-align: center;">(Effective from 27 May 2025)</h2>
<h2 data-tid="en-zg0u5JEicNyLf4GBHx5Eo">&nbsp;</h2>
User experience has always been our drive to keep moving forward and upward. We will amend the services of "Easy Deposit", effective from 27 May 2025:
&nbsp;
&bull; &nbsp;&nbsp;The single transaction limit for depositing money from China CITIC Bank International Limited will be increased to HKD 50,000 from HKD 10,000. If you need to adjust the single transaction limit, please go to app homepage &rarr; Swipe the yellow button downward to the "Add Money" page or enter "Easy Deposit" page 🢂 Select &ldquo;Deposit from&nbsp;China CITIC Bank International Limited"(if any) 🢂 Click on "Increase limit".
&nbsp;
&bull; &nbsp;&nbsp;WeLab Bank Limited&nbsp;and&nbsp;Citibank (Hong Kong) Limited will be added to the list of banks which support adding money to ZA Bank via "Easy Deposit"&nbsp;for free, with a single transaction limit of HKD 1,000,000.
In summary, you can deposit money from the following banks via&nbsp;"Easy Deposit" for free once the changes are effective:
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&bull;&nbsp; Bank of Communications (Hong Kong) Ltd.
&bull;&nbsp; Chong Hing Bank Limited
&bull;&nbsp; Mox Bank Limited
&bull;&nbsp; Livi Bank Limited
&bull;&nbsp; Airstar Bank Limited
&bull;&nbsp; WeLab Bank Limited
&bull;&nbsp; Citibank (Hong Kong) Limited
</td>
<td style="height: 22.3945px;">Limit of a single transaction is HKD 1,000,000</td>
</tr>
<tr style="height: 22.3945px;">
<td style="height: 22.3945px;">
&bull;&nbsp; China CITIC Bank International Limited
</td>
<td style="height: 22.3945px;">
<div>Limit of a single transaction is HKD 50,000</div>
<div>&nbsp;</div>
<div>As for other transaction amounts:</div>
&bull;&nbsp; You can make multiple transfers via "Easy Deposit" or,
&bull;&nbsp; Use the instant and free transfer function through Faster Payment System (FPS)
</td>
</tr>
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<td style="height: 22.3945px;">
&bull;&nbsp; DBS Bank (Hong Kong) Ltd.
&bull;&nbsp; Chiyu Banking Corporation Limited
&bull;&nbsp; Bank of China (Hong Kong)
&bull;&nbsp; The Hongkong and Shanghai Banking Corporation Limited
&bull;&nbsp; Hang Seng Bank Ltd
</td>
<td style="height: 22.3945px;">
Limit of a single transaction is HKD 10,000 As for other transaction amounts:
&bull;&nbsp; You can make multiple transfers via "Easy Deposit" or,
&bull;&nbsp; Use the instant and free transfer function through Faster Payment System (FPS)
</td>
</tr>
<tr style="height: 22.3945px;">
<td style="height: 22.3945px;">
&bull; Standard Chartered Bank (Hong Kong) Limited
&bull; CMB Wing Lung Bank Limited
</td>
<td style="height: 22.3945px;">
Limit of a single transaction is HKD 2,000
 As for other transaction amounts:
&bull;&nbsp; You can make multiple transfers via "Easy Deposit" or,
&bull;&nbsp; Use the instant and free transfer function through Faster Payment System (FPS) 
</td>
</tr>
</tbody>
</table>
&nbsp;
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If you have any questions about our service update, please call our 24/7 customer service hotline on 3665 3665, or log in to the ZA Bank App to contact us. Thank you for your support!
</div>

Updates on "Easy Deposit" (Effective from 27 May 2025)

Notice of Amendment to &ldquo;Fees and Charges Guide for Investment Services&rdquo;
&nbsp;
We are updating the &ldquo;Fees and Charges Guide for Investment Services&rdquo; (&ldquo;Fees and Charges Guides&rdquo;), which will be effective the date below. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests.&nbsp;
Amendments to the Fees and Charges Guides are listed below:
Securities Services (US Securities) (effective from 14 May 2025)
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<td style="border-color: rgb(0, 0, 0); height: 22.3958px; border-width: 2px;">Service</td>
<td style="border-color: rgb(0, 0, 0); height: 22.3958px; border-width: 2px;">Current Fees and Charges</td>
<td style="border-color: rgb(0, 0, 0); height: 22.3958px; border-width: 2px;">New Fees and Charges</td>
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<td style="border-color: rgb(0, 0, 0); height: 44.7917px; border-width: 2px;">SEC Fee</td>
<td style="border-color: rgb(0, 0, 0); height: 44.7917px; border-width: 2px;">(Per trade: Min USD 0.01) Subject to the latest The U.S. Securities and Exchange Commission (&ldquo;SEC&rdquo;) rules and charges</td>
<td style="border-color: rgb(0, 0, 0); height: 44.7917px; border-width: 2px;">Subject to the latest The U.S. Securities and Exchange Commission (&ldquo;SEC&rdquo;) rules and charges</td>
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&nbsp;
Securities Services (US Securities) (effective from 16 June 2025)
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<td style="border-color: rgb(0, 0, 0); height: 22.3958px; border-width: 2px;">Service</td>
<td style="border-color: rgb(0, 0, 0); height: 22.3958px; border-width: 2px;">Current Fees and Charges</td>
<td style="border-color: rgb(0, 0, 0); height: 22.3958px; border-width: 2px;">New Fees and Charges</td>
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<tr style="height: 44.7917px;">
<td style="border-color: rgb(0, 0, 0); height: 44.7917px; border-width: 2px;">Brokerage Fee - selling fractional shares (less than 1 share)</td>
<td style="border-color: rgb(0, 0, 0); height: 44.7917px; border-width: 2px;">Newly Added Item</td>
<td style="border-color: rgb(0, 0, 0); height: 44.7917px; border-width: 2px;">Waived</td>
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<td style="border-color: rgb(0, 0, 0); height: 159.948px; border-width: 2px;">Safe Custody Fee</td>
<td style="border-color: rgb(0, 0, 0); height: 159.948px; border-width: 2px;">
HKD 100 for every half year
 The fee charged at early of January and July each year, applicable for customers with securities transaction(s) or securities holdings in the 6 months period ended 30 June and 31 December respectively.
</td>
<td style="border-color: rgb(0, 0, 0); height: 159.948px; border-width: 2px;">Waived</td>
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&nbsp;
Please note that the amendments will be legally binding on you if you do not terminate the Investment Services before respective effective dates. If you decline to accept the amendments, you have the right to terminate using the services according to the relevant provisions under ZA Bank&rsquo;s Terms and Conditions for Investment Services.
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
ZA Bank

Fees and Charges Guide for Investment Services

&nbsp;
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<div style="text-align: center; line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">Notice of Amendment to the the &ldquo;Debt Consolidation Program Terms and Conditions&rdquo;, effective from 30 Jun 2025</div>
<div style="line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">&nbsp;</div>
<div style="line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">
At ZA Bank, we continue to listen to our users&rsquo; feedback and improve our banking services. Therefore, we are updating the&nbsp;Debt Consolidation Program Terms and Conditions (&ldquo;Revised Terms&rdquo;). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.
&nbsp;
We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;).
&nbsp;
Summary of Amendments to the Terms and Conditions:
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<td style="height: 41px; width: 33.2772%; border: 3px solid rgb(0, 0, 0);">Section</td>
<td style="height: 41px; width: 51.4273%; border: 3px solid rgb(0, 0, 0);">Purpose of the changes and what they mean for you</td>
<td style="height: 41px; width: 15.1322%; border: 3px solid rgb(0, 0, 0);">Clause</td>
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<td style="vertical-align: top; height: 43px; width: 33.2772%; border: 3px solid rgb(0, 0, 0);">3. Disbursement of Debt Consolidation Program proceeds</td>
<td style="height: 22px; width: 51.4273%; border: 3px solid rgb(0, 0, 0);">
Supplemented&nbsp;terms regarding the&nbsp;early settlement arrangements&nbsp;during the 7-Day Cooling off Period for Debt Consolidation Program:
A 7-day cooling-off period is offered to you if you have successfully applied for and drawdown a Debt Consolidation Program. This means if you early redeem the Debt Consolidation Program in full through our App within 7 calendar days after the Debt Consolidation Program drawdown date, we will waive the handling fee, the early redemption fee (including other applicable fees of a similar nature) and the first month&rsquo;s interest payable by you under the Debt Consolidation Program. However,&nbsp; you will not be entitled to any of our loan promotion offer if you exercised the 7-day-cooling off period arrangement.
</td>
<td style="vertical-align: top; height: 22px; width: 15.1322%; border: 3px solid rgb(0, 0, 0);">3.2</td>
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<td style="vertical-align: top; height: 43px; width: 33.2772%; border: 3px solid rgb(0, 0, 0);">3. Disbursement of Debt Consolidation Program proceeds</td>
<td style="height: 22px; width: 51.4273%; border: 3px solid rgb(0, 0, 0);">
Updated terms regarding disbursement of&nbsp;Debt Consolidation Program proceeds:&nbsp;
&nbsp;
3.3 (a): Provide the correct outstanding balance and details of the accounts of any loans and/or credit cards owed by you to us, other bank(s) and/or financial institution(s) as of the time of application (&ldquo;Debt&rdquo;).
&nbsp;
3.4 (b): The proceeds of the Debt Consolidation Program (less any applicable fees and charges) will be used to settle whole or part of the Debt and related fees and charges incurred us, the other bank(s) and/or financial institution(s), according to the Debt Consolidation Program Confirmation. The proceeds will be disbursed to:
3.4 (b)(ii): the Designated Account. For the amount to be used to settle the whole or part of the Debt, you are responsible for depositing to the designated loan account(s) with the relevant bank(s), financial institution(s) and provide settlement proof(s) to us upon request. If you repay the whole or part of your Debt with us using the proceeds, under normal circumstances, we will proceed to debit the repayment automatically after the proceeds have been disbursed to your Designated Account.
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<td style="vertical-align: top; height: 22px; width: 15.1322%; border: 3px solid rgb(0, 0, 0);">
3.3 (a)
3.4 (b)
3.4 (b)(ii)</td>
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<td style="vertical-align: top; height: 21px; width: 33.2772%; border: 3px solid rgb(0, 0, 0);">8. You need to serve notice for early settlement of a Debt Consolidation Program</td>
<td style="height: 21px; width: 51.4273%; border: 3px solid rgb(0, 0, 0);">
Supplemented terms regarding promotional offers return arrangements in the event of Debt Consolidation Program early settlement:
&nbsp;
If you choose to early settle your Debt Consolidation Program, you will also be required to return the monetary equivalent of any loan promotional offers that you have enjoyed in connection with the loan, including but not limited to the monetary equivalent of loan discount coupons and loan cash coupons. These amounts will be charged to you upon your settlement of your Debt Consolidation Program.
</td>
<td style="vertical-align: top; height: 21px; width: 15.1322%; border: 3px solid rgb(0, 0, 0);">8.2</td>
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<div style="line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">You can download a PDF version of the Revised Terms via <a href="https://bank.za.group/agreement/pdf/en_US/1002056">this link</a>.</div>
<div style="line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">
&nbsp;
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.
&nbsp;
Please note that the Amendments shall be binding on you if you do not terminate the above mentioned products or services before 30 Jun 2025. If you decline to accept the Amendments, you have the right to terminate the products or services in accordance with the relevant provisions under the Terms and Conditions before the above mentioned date.
&nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
30 April 2025
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Notice of Amendment to the “Debt Consolidation Program Terms and Conditions”, effective from 30 Jun 2025 

Notice of Amendment to the “Card Statement Instalment Program (“Statement Instalment Program”) Terms and Conditions”, effective from 30 Jun 2025 

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Notice of Amendment to the &ldquo;Instalment Loan Terms and Conditions&rdquo;, effective from 30 Jun 2025
&nbsp;
At ZA Bank, we continue to listen to our users&rsquo; feedback and improve our banking services. Therefore, we are updating the Instalment Loan Terms and Conditions (&ldquo;Revised Terms&rdquo;). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.&nbsp;&nbsp;
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&nbsp;
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We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;).&nbsp;&nbsp;
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&nbsp;
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Summary of Amendments to the Terms and Conditions&nbsp;
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&nbsp;
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Section&nbsp;
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Purpose of the changes and what they mean for you&nbsp;
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Clause&nbsp;
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3. Deposit of Instalment Loan proceeds&nbsp;
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Updated terms regarding the early settlement arrangements during the 7-Day Cooling off Period for Instalment Loan:&nbsp;
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&nbsp;
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A 7-day cooling-off period is offered to you if you have successfully applied for and drawdown an Instalment Loan. This means if you early redeem the Instalment Loan in full through our App within 7 calendar days after the Instalment Loan drawdown date, we will waive the handling fee, the early redemption fee (including other applicable fees of a similar nature) and the first month&rsquo;s interest payable by you under the Instalment Loan. However,&nbsp; you will not be entitled to any of our loan promotion offer if you exercised the 7-day-cooling off period arrangement.&nbsp;
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3.1&nbsp;
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8. You need to serve notice for early settlement of an Instalment Loan&nbsp;
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Supplemented terms regarding promotional offers return arrangements in the event of Instalment Loan early settlement:&nbsp;
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&nbsp;
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If you choose to early settle your Instalment Loan, you will also be required to return the monetary equivalent of any loan promotional offers that you have enjoyed in connection with the loan, including but not limited to the monetary equivalent of loan discount coupons and loan cash coupons. These amounts will be charged to you upon your settlement of your Instalment Loan.&nbsp;
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8.2&nbsp;
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&nbsp;You can download a PDF version of the Revised Terms via <a class="Hyperlink SCXW90359027 BCX8" href="https://bank.za.group/agreement/pdf/en_US/1002054" target="_blank" rel="noreferrer noopener">this link</a>.&nbsp;
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&nbsp;
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You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.&nbsp;
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&nbsp;
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Please note that the Amendments shall be binding on you if you do not terminate the above mentioned products or services before 30 Jun 2025. If you decline to accept the Amendments, you have the right to terminate the products or services in accordance with the relevant provisions under the Terms and Conditions before the above mentioned date.&nbsp;
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&nbsp;
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Please feel free to get in touch with us through the ZA Bank App if you need any assistance.&nbsp;&nbsp;
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&nbsp;
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30 April 2025&nbsp;
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Notice of Amendment to the “Instalment Loan Terms and Conditions”, effective from 30 Jun 2025 

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<div style="text-align: center; line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">Notice of Amendment to the &ldquo;Instalment Loan Top-up Terms and Conditions&rdquo;, effective from 30 Jun 2025</div>
<div style="line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">&nbsp;</div>
<div style="line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">
At ZA Bank, we continue to listen to our users&rsquo; feedback and improve our banking services. Therefore, we are updating the Instalment Loan Top-up Terms and Conditions (&ldquo;Revised Terms&rdquo;). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.
&nbsp;
We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;).
&nbsp;
Summary of Amendments to the Terms and Conditions:
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<td style="height: 41px; width: 33.2772%; border: 3px solid rgb(0, 0, 0);">Section</td>
<td style="height: 41px; width: 51.4273%; border: 3px solid rgb(0, 0, 0);">Purpose of the changes and what they mean for you</td>
<td style="height: 41px; width: 15.1322%; border: 3px solid rgb(0, 0, 0);">Clause</td>
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<td style="vertical-align: top; height: 43px; width: 33.2772%; border: 3px solid rgb(0, 0, 0);">3. Deposit of Instalment Loan Top-up proceeds</td>
<td style="height: 22px; width: 51.4273%; border: 3px solid rgb(0, 0, 0);">
Newly added terms regarding the early settlement arrangements during the 7-Day Cooling off Period for Instalment Loan Top-up:
&nbsp;
A 7-day cooling-off period is offered to you if you have successfully applied for and drawdown an Instalment Loan Top-up. This means if you early redeem the Instalment Loan Top Up in full through our App within 7 calendar days after the Instalment Loan Top-up drawdown date, we will waive the handling fee, the early redemption fee (including other applicable fees of a similar nature) and the first month&rsquo;s interest payable by you under the Instalment Loan Top Up. However, you will not be entitled to any of our loan promotion offer if you exercised the 7-day-cooling off period arrangement.
&nbsp;
If you were granted a waiver of the Early Settlement Fee and/or a waiver of the return of any applicable loan promotional offers in respect of your original Instalment Loan when drawing down the Instalment Loan Top-up, and you subsequently choose to early-settle the Instalment Loan Top-up in full within the 7-Day Cooling-Off period, you will be required to repay the waived early settlement fee of the original Instalment Loan, together with all monetary equivalent of any loan promotional offers that you have enjoyed in connection with the original Instalment Loan, including but not limited to the monetary equivalent of loan discount coupons and loan cash coupons. These amounts will be charged to you upon your early settlement of the Instalment Loan Top-up.
&nbsp;
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<td style="vertical-align: top; height: 22px; width: 15.1322%; border: 3px solid rgb(0, 0, 0);">3.2</td>
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<td style="vertical-align: top; height: 21px; width: 33.2772%; border: 3px solid rgb(0, 0, 0);">8. You need to serve notice for early settlement of an Instalment Loan Top-up</td>
<td style="height: 21px; width: 51.4273%; border: 3px solid rgb(0, 0, 0);">
Supplemented terms regarding promotional offers return arrangements in the event of Instalment Loan Top-up early settlement.
&nbsp;
If you choose to early settle your Instalment Loan Top-up, you will also be required to return the monetary equivalent of any loan promotional offers that you have enjoyed in connection with the loan, including but not limited to the monetary equivalent of loan discount coupons and loan cash coupons. These amounts will be charged to you upon your settlement of your Instalment Loan Top-up.
</td>
<td style="vertical-align: top; height: 21px; width: 15.1322%; border: 3px solid rgb(0, 0, 0);">8.2</td>
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Newly added glossary term:
&ldquo;Instalment Loan&rdquo; means the original instalment loan granted by us to you in accordance with the Instalment Loan Terms and Conditions.
</td>
<td style="vertical-align: top; height: 21px; width: 15.1322%; border: 3px solid rgb(0, 0, 0);">&nbsp;14</td>
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<div style="line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">You can download a PDF version of the Revised Terms via <a href="https://bank.za.group/agreement/pdf/en_US/1002055">this link</a>.</div>
<div style="line-height: 1.5;" data-content_editable-type="rich_text" data-content_editable-idx="content.children.[2].children.[1].data.value.content">
&nbsp;
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.
&nbsp;
Please note that the Amendments shall be binding on you if you do not terminate the above mentioned products or services before 30 Jun 2025. If you decline to accept the Amendments, you have the right to terminate the products or services in accordance with the relevant provisions under the Terms and Conditions before the above mentioned date.
&nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
30 April 2025
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<h2 style="text-align: center;">FPS Scheduled Maintenance</h2>
Due to FPS system maintenance, the following transfer-related services will not be available from 00:30 a.m. &ndash; 11:30 a.m. on 20 April 2025 (Sunday). Customers may wish to make advance arrangements for their payment activities as necessary.
For enquiries, please contact our customer service at (852) 3665 3665 or via the ZA Bank App. 
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<td style="text-align: center;">Services Affected</td>
<td style="text-align: center;">From</td>
<td style="text-align: center;">To</td>
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<td>
ZA Bank App &bull; &nbsp; &nbsp;Local transfer (via FPS) &amp; Transfer to ZA Bank accounts &bull;&nbsp; &nbsp; Lai See&nbsp; &bull; &nbsp; &nbsp;Easy Deposit&nbsp; &bull; &nbsp; &nbsp;My FPS (registration and management) &bull; &nbsp; &nbsp;Global Transfer &bull; &nbsp; &nbsp;Card Statement Instalment Program or Debt Consolidation Program payment to other institutions
Business Internet Banking &bull; &nbsp; &nbsp;FPS registration and management&nbsp; &bull; &nbsp; &nbsp;Local transfer (via FPS) &amp; Transfer to ZA bank accounts &nbsp;
</td>
<td>20 April 2025 (Sunday) 00:30 a.m. &nbsp; &nbsp;</td>
<td>20 April 2025 (Sunday) 11:30 a.m.</td>
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FPS Scheduled Maintenance – 20 April 2025 (Sunday) 00:30 a.m. – 11:30 a.m. 

Important notice: Global Transfer system maintenance
The Global Transfer feature will undergo maintenance:
- From 10:00 (HKT) to 12:00 (HKT) on 22 March 2025, and
- From 18:00 (HKT) to 20:00 (HKT) on 22 March 2025
During these periods, you will not be able to use the Global Transfer feature. Please submit your payment instructions before or after the maintenance has been completed.
For further enquiries, please contact our 24 x 7 customer service team at +852 3665 3665 or via the ZA Bank App.

Important notice: Global Transfer system maintenance

Important notice: Global Transfer system maintenance
The system will undergo maintenance from 18:00 (HKT), 12 March 2025 to 10:00 (HKT), 13 March 2025. During this period, you will not be able to use the Global Transfer feature. Please submit your payment instructions after the maintenance has been completed.&nbsp; For further enquiries, please contact our 24 x 7 customer service team at +852 3665 3665 or via the ZA Bank App.

Notice of Amendment to the &ldquo;Fees and Charges Guide for Individual Customers&rdquo;
(Effective from 1 January 2025)
&nbsp;
We are updating the &ldquo;Fees and Charges Guide for Individual Customers&rdquo; (&ldquo;Fees and Charges Guides&rdquo;), which will be effective from 1 January 2025. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests.
New fee to the Fees and Charges Guides are listed below:
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/362e50f0-cf65-409f-af78-75dd2f87c84f/590ec023-358b-4a02-a803-315407f93764/EN2.png" alt="" width="300" height="90">
&nbsp;
&nbsp;
 
You can download a PDF version of the updated Fees and Charges Guides via below links: <a style="color: rgb(50, 203, 157);" href="https://bank.za.group/agreement/pdf/en_US/1001947">Fees and Charges Guide for Individual Customers</a>
Please note that the amendments will be legally binding on you if you use or continue to use related products or services on or before 1 January 2025.
If you decline to accept the amendments, you have the right to terminate the products or services according to the relevant provisions under ZA Bank&rsquo;s General Account Terms and Conditions and ZA Card Terms and Conditions before the abovementioned date.
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;

Notice of Amendment to the “Fees and Charges Guide for Individual Customers” (Effective from 1 January 2025)

USD &amp; HKD Prime Rate Adjustment
&nbsp;
Due to the recent decrease in the USD Federal Funds Rate, we're revising our USD Prime Rate from 8% p.a. to 7.75% p.a. and HKD Prime Rate from 6.625% p.a. to 6.375% p.a. effective 21 January 2025 (Tuesday). Thank you for your support to ZA Bank!
&nbsp;
ZA Bank

USD & HKD Prime Rate Adjustment

Notice of Amendment to the &ldquo;Terms and Conditions for Investment Services&rdquo;&nbsp; (effective from 20 November 2024)
&nbsp;
ZA Bank Limited (&ldquo;We&rdquo; or &ldquo;ZA Bank&rdquo;) are updating our &ldquo;Terms and Conditions for Investment Services&rdquo; (&ldquo;Revised Terms&rdquo;), which will take effect from 20 November 2024. We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;). These Amendments are made in order to:&nbsp;
<ol>
<li>1. offer you the Virtual Assets dealing services in the near future;</li>
<li>2. specify the service scope and the limitation of the Virtual Assets dealing services, and our role in provision of the Virtual Assets dealing services;</li>
<li>3. clarify that you will use your investment account and our investment services responsibly ;and</li>
<li>4. provide you the risk disclosure statements related to Virtual Assets dealing services.&nbsp;</li>
</ol>
 You can download a PDF version of the Revised Terms via this link.
<ul>
<li>&bull;&nbsp; <a style="color: #32cb9d; text-decoration: underline;" href="https://bank-invest.za.group/agreement/pdf/en_US/1001945">Summary of Amendments to the Revised Terms</a></li>
</ul>
 Words mentioned in this Notice shall have the same meaning as defined in &ldquo;Terms and Conditions for Investment Services&rdquo;, where applicable.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section after the official launch of Virtual Assets dealing services.&nbsp;
Please note that the Revised Terms will be binding on you if you use or continue to use any of our products or services on or after 20 November 2024. If you do not accept the Revised Terms, you have the right to terminate the account(s), products and services with us according to the relevant provisions under the General Account Terms and Conditions before 20 November 2024.&nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.&nbsp;
&nbsp;
ZA Bank Limited&nbsp;

Notice of Amendment to “Terms and Conditions for Investment Services”  (effective from 20 November 2024)

Notice of Amendment to &ldquo;Fees and Charges Guide for Investment Services&rdquo;&nbsp; (Effective from 20 November 2024)
&nbsp;
We are updating the &ldquo;Fees and Charges Guide for Investment Services&rdquo; (&ldquo;Fees and Charges Guides&rdquo;), which will be effective from 20 November 2024. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests.
Amendments to the Fees and Charges Guides are listed below:
Securities Services (US Securities)
<img style="max-width:100%" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0a656019-c0ca-4259-abbb-9a065b4f7d1a/5b0009d4-1384-441f-890f-af757608cd54/image.png" width="650" height="112">
&nbsp;
Please note that the amendments will be legally binding on you if you do not terminate the Securities Services (US Securities) before 20 November 2024. If you decline to accept the amendments, you have the right to terminate using the services according to the relevant provisions under ZA Bank&rsquo;s Terms and Conditions for Investment Services.
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
ZA Bank

Notice of Amendment to “Fees and Charges Guide for Investment Services” (effective from 20 November 2024)

<h2 style="text-align: center;">Notice of Amendment to the Card Statement Instalment Program (&ldquo;Statement Instalment Program&rdquo;) Terms and Conditions，(Effective from 16 Dec 2024)</h2>
We are updating the Card Statement Instalment Program (&ldquo;Statement Instalment Program&rdquo;) Terms and Conditions (&ldquo;Terms and Conditions&rdquo;), which will be effective from 16 Dec 2024. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests. &nbsp; &nbsp;
Amendments to the Terms and Conditions (&ldquo;Amendments&rdquo;) are listed below: &nbsp;
<table><colgroup><col /><col /></colgroup>
<tbody>
<tr>
<td style="border: 1px solid black !important;">
Clause
</td>
<td style="border: 1px solid black !important;">
Amendment
</td>
</tr>
<tr>
<td style="border: 1px solid black !important;">
14. Statement Instalment Program not applicable to ZA Bank loans or credit cards
</td>
<td style="border: 1px solid black !important;">
Existing Clause 14 is deleted
</td>
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<tr>
<td style="border: 1px solid black !important;">
New Clause 14 &nbsp;
</td>
<td style="border: 1px solid black !important;">
14. Sales Staff remuneration  &nbsp;
The remuneration of our sales staff is determined based on their overall performance with reference to various factors, and is not determined solely on the sales performance.  The sales staff&rsquo;s remuneration policy is subject to review from time to time.  &nbsp;
</td>
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<tr>
<td style="border: 1px solid black !important;">8.2</td>
<td style="border: 1px solid black !important;">
8.2 &nbsp;Early settlement is subject to full settlement of any and all of the outstanding principal, outstanding interest/handling fee ,late charges, default interest, other applicable fees and charges, and early settlement fees. An early settlement fee will be calculated in such manner and at such rate as we may specify on our designated channel. 。
</td>
</tr>
<tr>
<td style="border: 1px solid black !important;">
9.1
</td>
<td style="border: 1px solid black !important;">
9.1 We reserve our overriding right to demand immediate repayment of any Statement Instalment Program (together with any amounts that are then due and payable in connection with such Statement Instalment Program) in full at any time and without giving any reason. If we exercise such right, you must immediately repay all amounts of principal, interest/handling fee、late charges, default interest and any other applicable fees and charges that are then due and payable in respect of any such Statement Instalment Program.
</td>
</tr>
</tbody>
</table>
You can download a PDF version of the updated Terms and Conditions via below link: &nbsp;&nbsp;
<a href="https://bank.za.group/agreement/html/en_US/1001936">https://bank.za.group/agreement/html/en_US/1001936 </a>&nbsp;
Please note that the Amendments will be legally binding on you if you do not terminate the Card Statement Instalment Program before 16 Dec 2024. &nbsp;&nbsp;
If you decline to accept the Amendments, you have the right to terminate the products or services according to the relevant provisions under Card Statement Instalment Program before the abovementioned date. &nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.

Notice of Amendment to the Card Statement Instalment Program (“Statement Instalment Program”) Terms and Conditions (Effective from 16 Dec 2024) 

Important notice: Scheduled maintenance
To improve user experience and service quality, scheduled system maintenance will be conducted during the following hours, and the corresponding banking services will be temporarily suspended:
On 13 October 2024 (Sunday) from 02:30 to 09:30
<div style="padding-left: 2em;">&bull; &nbsp;Personal Banking: All banking services (including but not limited to ZA Bank App login, balance enquiry, transfer, use of ZA Card, loan, investment and insurance services)</div>
<div style="padding-left: 2em;">&bull; &nbsp;Business Banking: All business banking services (including but not limited to Express Account Opening service on the official website, loan application registration on the official website and Business Internet Banking services)</div>
&nbsp;
Customers may wish to make advance arrangements for their banking activities if necessary. Thank you for your understanding. For further enquiries, please contact our 24x7 customer service team at +852 3665 3665 or via the ZA Bank App.

Important notice: Scheduled maintenance - 13 October 2024 (Sunday) 02:30 - 09:30

Beware of phishing email
&nbsp;
ZA Bank reminds users to be cautious of a phishing email purported to be sent by the Bank. The email falsely claimed to be from ZA Bank, and requested a payment from the recipient and suggested opening an attachment.
We have no connection with the phishing email involved, and the case has been reported to Hong Kong Monetary Authority and the Police for further investigation. Users are advised to delete the suspicious email without opening any links or attachments in the email, and not to disclose any personal information including login credentials and ZA Card details. ZA Bank will not request users to log into its website or mobile app to conduct transactions through SMS or hyperlinks in emails, nor will the Bank ask users to provide any sensitive personal or ZA Card information through hyperlinks.
Below is the information and screenshot of the phishing email:
Sender: za zabank &lt;zabanklimited@gmail[.]com&gt;
Subject: Invoise
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/627f2268-8bca-4336-adce-0f0d0fda2218/b4bdc304-760d-4782-a5ce-04b7881db3b9/image.png" width="600" height="100">
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/627f2268-8bca-4336-adce-0f0d0fda2218/848095da-06cc-4c55-9327-07a7ef77b8d0/image.png" width="600" height="580">
&nbsp;
The official website address of ZA Bank is bank.za.group/en/. Starting from 27 June 2024, we will send out transaction notifications, monthly e-statements, agreement changes etc. from the emails notification@service.bank.za.group and notice@mail.bank.za.group. For users who have agreed to receive our direct marketing emails, we will send them from bank.update@mail.za.group.
In addition to the above channels of communication, we may contact users with other dedicated email addresses for business purposes. These emails will always include a personal or account identifier and may include a clickable link that will lead users to our official website for further information. We will never ask for users&rsquo; login credentials or ZA Card details.
If users are concerned, please get in touch via the Online Chat in the ZA Bank App, or call our 24/7 customer service hotline on 3665 3665. If users have disclosed their personal information or made any transactions through the above channel, they should reset their account password and replace their ZA Card immediately in the ZA Bank App and report to the Police as soon as possible.
&nbsp;

Beware of phishing email

Notice of Amendment to &ldquo;Fees and Charges Guide for Investment Services&rdquo; 
(effective from 30 September 2024)
&nbsp;
We are updating the &ldquo;Fees and Charges Guide for Investment Services&rdquo; (&ldquo;Fees and Charges Guides&rdquo;), which will be effective from 30 September 2024. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests.&nbsp;
Amendments to the Fees and Charges Guides are listed below:
Investment Fund Services
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/13c62dd8-6be8-4082-ab80-ca7a9a0c650e/8ad7c574-22b4-4f0f-8b42-ab4514238346/image.png" width="750" height="183">
&nbsp;
Please note that the amendments will be legally binding on you if you do not terminate the Investment Fund Services before 30 September 2024. If you decline to accept the amendments, you have the right to terminate using the services according to the relevant provisions under ZA Bank&rsquo;s Terms and Conditions for Investment Services.
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
ZA Bank

Notice of Amendment to “Fees and Charges Guide for Investment Services”  (effective from 30 September 2024)

FPS Scheduled Maintenance
&nbsp;
Due to FPS system maintenance, the following transfer-related services will not be available from 00:30a.m. &ndash; 11:30a.m. on Sunday, 18 August 2024. Customers may wish to make advance arrangements for their payment activities as necessary.
For enquiries, please contact our customer service at (852) 3665 3665 or via the ZA Bank App.
&nbsp;
<img style="max-width:100%" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/61de0d31-b46c-4769-87d8-53fecb99e490/041a5331-ad20-49f1-a1f3-2eb49f2884f4/image.png" width="650" height="213">
&nbsp;
ZA Bank

FPS Scheduled Maintenance – 18 August 2024 (Sunday) 00:30a.m. – 11:30a.m. 

Notice of Amendment to "Business Banking Tariff"
(effective from 15 August 2024)
&nbsp;
We&rsquo;d like to inform you that the latest fee adjustments for "Bank confirmation for audit purposes" in the "Business Banking Tariff" will be effective from 15 August 2024. By continuing to use the relevant services on and after the effective date, we'll regard you as having agreed to and accepted the revised fees and charges:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/431f6da0-dc52-4818-accb-50bb2c29e9d9/71248d0a-fd05-4d83-a1ea-0bdd6eed41ac/image.png" width="550" />
&nbsp;
For more details, please refer to the revised <a style="color: #32cb9d;" href="https://bank.za.group/agreement/pdf/en_US/1001856" target="_blank" rel="noopener">Business Banking Tariff (Version of 15 August 2024)</a>.
If you have any questions, please contact our customer service team at (852) 3665 3665.
&nbsp;
ZA Bank

Notice of Amendment to "Business Banking Tariff" (effective from 15 August 2024)

Transfer system scheduled maintenance
&nbsp;
Due to system maintenance, the following transfer-related services will not be available from 02:00 a.m. to 08:00 a.m. on Sunday, 7 July 2024. Customers may wish to make advance arrangements for their payment activities as necessary.
For enquiries, please contact our customer service at (852) 3665 3665 or via the ZA Bank App.
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/539fa41a-5b41-4fd2-8976-85d06d1bba44/3bbe42c8-21cb-4ec5-9867-607cee064038/image.png" width="650" />

Transfer system scheduled maintenance – 7 July 2024 (Sunday) 02:00 a.m. – 08:00 a.m.

We are updating the &ldquo;Fees and Charges Guide for Individual Customers&rdquo; and &ldquo;Fees and Charges Guide for Securities Services&rdquo; (&ldquo;Fees and Charges Guides&rdquo;), which will be effective from 14 August 2024. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests.&nbsp; 
&nbsp;
Amendments to the Fees and Charges Guides are listed below:
&nbsp;
&nbsp;
Debit Card&nbsp;
For clarity and the alignment of relevant terms and conditions, the expression of &ldquo;Debit Card&rdquo; is changed to &ldquo;ZA Card&rdquo;.
<img src="https://cdn.zaticdn.com/zati/zati-amp-materialcenter-service/zaml/Zaintl_PRD/zaml/30/4a877689-136f-4d98-9e04-c066f9b723f3/2406_NOA_Card_EN_V2.png" alt="" width="300" height="212" />
&nbsp;
&nbsp;
Instalment Loan / Instalment Loan Top-up / Card Statement Instalment Program / Debt Consolidation Program
<img src="https://cdn.zaticdn.com/zati/zati-amp-materialcenter-service/zaml/Zaintl_PRD/zaml/30/11f1e732-c101-4257-a99f-7f130b2c6999/2406_NOA_Loan_EN_V2.png" alt="" width="300" height="231" />
&nbsp;
&nbsp;
Investment Fund Services
Effective from 14 August 2024, we will rename the &ldquo;Fees and Charges Guide for Securities Services&rdquo; document to &ldquo;Fees and Charges Guide for Investment Services.&rdquo; The fee information of investment fund services currently displayed in &ldquo;Fees and Charges Guide for Individual Customers&rdquo; will be moved to the &ldquo;Fees and Charges Guide for Investment Services&rdquo; document. There is no change to the existing fees and charges for investment fund services.
&nbsp;
&nbsp;
You can download a PDF version of the&nbsp;updated Fees and Charges Guides via&nbsp;below links:
&nbsp;
<a href="https://bank.za.group/agreement/pdf/en_US/1001831" target="_blank" rel="noopener noreferrer">Fees and Charges Guide for Individual Customers</a>&nbsp;
<a href="https://bank.za.group/agreement/pdf/en_US/1001826" target="_blank" rel="noopener noreferrer">Fees and Charges Guide for Investment Services</a>
&nbsp;
&nbsp;
Please note that&nbsp;the amendments will be legally binding on you if you do not terminate the ZA Card, Instalment Loan / Instalment Loan Top-up / Card Statement Instalment Program&nbsp;/ Debt Consolidation Program or investment account before 14 August 2024. 
&nbsp;
&nbsp;
If you decline to accept the amendments, you have the right to terminate the products or services according to the relevant provisions under ZA Bank&rsquo;s ZA Card Terms and Conditions, Instalment Loan / Instalment Loan Top-up / Card Statement Instalment Program / Debt Consolidation Program Terms and Conditions or Terms and Conditions for Investment Services before the abovementioned date.
&nbsp;
&nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.

Notice of Amendment to the “Fees and Charges Guide for Individual Customers” and “Fees and Charges Guide for Securities Services” (Effective from 14 August 2024)

Express Account Opening Scheduled Maintenance&nbsp;
&nbsp; &nbsp; &nbsp;Due to system maintenance, our Express Account Opening service for business banking account online applications will be unavailable from 9 a.m. to 1 p.m. on 26 May 2024(Sunday). Thank you for your understanding.
&nbsp; &nbsp; &nbsp;If you have any questions, please feel free to contact us at (852) 3665 3665.

Express Account Opening Scheduled Maintenance 

<h2 class="MsoNormal" style="text-align: center;" align="center">System Maintenance</h2>
&nbsp;
Due to system maintenance, the following banking services will not be available from 02:30 a.m. to 08:30 a.m. on 16 June 2024 (Sunday). Also, the online customer service on ZA Bank App and the official website will not be available from 04:00 a.m. to 06:00 a.m. on the same day.
You may wish to make relevant arrangements in advance if necessary. During system maintenance, you may still deposit intoIf you have a loan that is due for repayment on the maintenance day, you can make repayment as usual after system maintenance.
For enquiry, please contact our customer service at +852 3665 3665 or in the ZA Bank App.
&nbsp;
<table class="MsoTable15Grid1LightAccent6" style="border-collapse: collapse; border: 1px solid #000000; width: 80%; border-spacing: 12px; height: 488.6px; margin-left: auto; margin-right: auto;" border="1" cellspacing="0" cellpadding="0">
<tbody>
<tr style="height: 54.4px;">
<td style="border: 1px solid black !important; text-align: center;">
Services Affected
</td>
<td style="border: 1px solid black !important; text-align: center;">
From
</td>
<td style="border: 1px solid black !important; text-align: center;">
To
</td>
</tr>
<tr style="height: 319px;">
<td style="border: 1px solid black !important;">
ZA Bank App
&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Loan details and related enquiries
&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Loan application, confirmation and drawdown
&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Loan repayment
&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ZA Card transactions using ZA Credit
&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cancellation of ZA Bank account
</td>
<td style="border: 1px solid black !important;">
16 June 2024 &nbsp;(Sunday) 02:30 a.m.
</td>
<td style="border: 1px solid black !important;">
16 June 2024 (Sunday) 08:30 a.m.
</td>
</tr>
<tr style="height: 115.2px;">
<td style="border: 1px solid black !important;">
ZA Bank App and Bank Website
&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Online customer service
</td>
<td style="border: 1px solid black !important;">
16 June 2024 (Sunday) 04:00 a.m.
</td>
<td style="border: 1px solid black !important;">
16 June 2024 (Sunday) 06:00 a.m.
</td>
</tr>
</tbody>
</table>

System Maintenance – 16 June 2024 (Sunday) 02:30 a.m. – 08:30 a.m.

Express Account Opening Scheduled Maintenance&nbsp;
&nbsp; &nbsp; &nbsp;Due to system maintenance, our Express Account Opening service for business banking account online applications will be unavailable from 9 a.m. to 1 p.m. on 12 May 2024(Sunday). Thank you for your understanding.
If you have any questions, please feel free to contact us at (852) 3665 3665.

Express Account Opening Scheduled Maintenance

Notice of Amendment to &ldquo;General Account Terms and Conditions&rdquo;, &ldquo;ZA Card Terms and Conditions&rdquo; and &ldquo;Terms and conditions for use of ZA Card through a digital wallet&rdquo;
(effective from 30 June 2024)
&nbsp;
ZA Bank Limited (&ldquo;We, us&rdquo;) are updating our &ldquo;General Account Terms and Conditions&rdquo;, &ldquo;ZA Card Terms and Conditions&rdquo; and &ldquo;Terms and conditions for use of ZA Card through a digital wallet&rdquo; (&ldquo;Revised Terms&rdquo;), which will take effect from 30 June 2024. Please read this notice of amendment carefully for the benefit of your protection.
We have outlined the key changes to the Revised Terms (&ldquo;Amendments&rdquo;) in the table below for your information. These Amendments are made in order to:
General Account Terms and Conditions (applicable to personal banking and business banking customers):
<ol>
<li>1. Clarify and specify your obligations regarding payments and fund transfers, and in giving instructions to make payments or effect transactions.</li>
<li>2. Clarify about limitation of our liability and that we are not liable for any delay, unavailability, disruption, failure, error of or caused by any Anti-fraud Database (or any information available on it), or arising from any circumstances beyond our reasonable control, and any risk alert or the processing or execution of funds transfer Instruction affected by a risk alert unless arising directly and solely from our gross negligence or wilful default or that of our officers, employees or agents.</li>
<li>3.&nbsp; A more accurate description of the terms of a Time Deposit account, including a description of the maturity date of the Time Deposit and instructions for the automatic renewal of the Time Deposit and the annual interest rate.</li>
<li>4. To modify definition of &ldquo;PIN&rdquo; and add &ldquo;Authentication Factors&rdquo;, and supplement all reasonable precautions and security measures recommended by us for you to secure your Authentication Factors and electronic equipment.</li>
<li>5. To add that we will contribute and receive information from FINEST, which is an information sharing platform operated by HKPF in response to the evolving fraud, mule account and financial crime landscape.</li>
</ol>
ZA Card Terms and Condition (applicable to individual customers):
<ol>
<li>1. Regarding the newly added definition of "Authentication Factors" in the "General Account Terms and Conditions", the circumstances and handling of Authentication Factors when using ZA Card are added and supplemented, including the corresponding procedures for the Bank and you when the Authentication Factors have been stolen or lost or Authentication Factors or your card information has been compromised.</li>
<li>2. To supplement all reasonable precautions and security measures recommended by us for you to secure your Authentication Factors and ZA Card.</li>
</ol>
Terms and conditions for use of ZA Card through a digital wallet (applicable to individual customers):
<ol>
<li>1. Regarding the newly added definition of "Authentication Factors" in the "General Account Terms and Conditions", the circumstances and handling of Authentication Factors when using ZA Card through a digital wallet are added and supplemented.</li>
<li>2. To supplement all reasonable precautions and security measures recommended by us for you to secure your Authentication Factors.</li>
</ol>
 You can download a PDF version of the Revised Terms via the below links:
<ul>
<li>&bull;&nbsp; <a style="color: #32cb9d;" href="https://bank.za.group/agreement/pdf/en_US/1001767" target="_blank" rel="noopener">General Account Terms and Conditions</a></li>
<li>&bull;&nbsp; <a style="color: #32cb9d;" href="https://bank.za.group/agreement/pdf/en_US/1001769" target="_blank" rel="noopener">ZA Card Terms and Conditions</a></li>
<li>&bull;&nbsp; <a style="color: #32cb9d;" href="https://bank.za.group/agreement/pdf/en_US/1001772" target="_blank" rel="noopener">Terms and conditions for use of ZA Card through a digital wallet</a></li>
</ul>
&nbsp;
Regarding the amendments related to the &ldquo;General Account Terms and Conditions&rdquo;, &ldquo;ZA Card Terms and Conditions&rdquo; and &ldquo;Terms and conditions for use of ZA Card through a digital wallet&rdquo;, you can download a PDF version through the following link:
<ul>
<li>&bull;&nbsp; <a style="color: #32cb9d;" href="https://bank.za.group/agreement/pdf/en_US/1001780" target="_blank" rel="noopener">Summary of Amendments to the Revised Terms</a></li>
</ul>
&nbsp;
Words mentioned in this Notice shall have the same meaning as defined in &ldquo;General Terms and Conditions&rdquo;, &ldquo;ZA Card Terms and Conditions&rdquo; and &ldquo;Terms and conditions for use of ZA Card through a digital wallet&rdquo;, where applicable.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on the homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.&nbsp;
Please note that the Revised Terms will be legally binding on you if you use or continue to use any of our products or services on or after 30 June 2024. If you do not accept the Revised Terms, you have the right to terminate the account(s), products and services with us according to the relevant provisions under the General Account Terms and Conditions before 30 June 2024. &nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
ZA Bank Limited

Notice of Amendment to “General Account Terms and Conditions”, “ZA Card Terms and Conditions” and “Terms and conditions for use of ZA Card through a digital wallet” (effective from 30 June 2024)

Express Account Opening Scheduled Maintenance&nbsp;
&nbsp; &nbsp; &nbsp;Due to system maintenance, our Express Account Opening service for business banking account online applications will be unavailable from 0:30 a.m. to 23:59 p.m on 20 March 2024(Saturday). Thank you for your understanding.
&nbsp; &nbsp; &nbsp;If you have any questions, please feel free to contact us at (852) 3665 3665.

CHATS Scheduled Maintenance
&nbsp;
Due to system maintenance, the following transfer-related services will not be available from 4:00p.m. on 19 April 2024 (Friday) to 12:00a.m. on 22 April 2024 (Monday). Please arrange your payments in advance as needed.
For enquiries, please contact our customer service at (852) 3665 3665 or via the ZA Bank App.
&nbsp;
<table style="width: 82.1285%; border-collapse: collapse; border: solid #000000;">
<tbody>
<tr>
<td style="width: 35.9219%; border: solid #000000;">Services affected</td>
<td style="width: 32.9565%; border: solid #000000;">From</td>
<td style="width: 30.628%; border: solid #000000;">To</td>
</tr>
<tr>
<td style="width: 35.9219%; border: solid #000000;">ZA Bank App
<ul>
<li>- Local USD transfer</li>
</ul>
 Business Internet Banking
<ul>
<li>- Local Transfer (by CHATS)</li>
<li>- Bulk Transfer (by CHATS)</li>
</ul>
</td>
<td style="width: 32.9565%; vertical-align: top; border: solid #000000;">
<div style="text-align: center;">Friday, 19 April 2024 4:00p.m.</div>
</td>
<td style="width: 30.628%; vertical-align: top; border: solid #000000;">
<div style="text-align: center;">Monday, 22 April 2024</div>
<div style="text-align: center;">12:00a.m.</div>
</td>
</tr>
</tbody>
</table>
&nbsp;

CHATS Scheduled Maintenance – 19 April 2024 (Friday) 4:00 p.m. – 22 April 2024 (Monday) 12:00 a.m.

<h2 style="text-align: center; line-height: 1.5;">Notice of Amendment to the &ldquo;Card Statement Instalment Program (&ldquo;Statement Instalment Program&rdquo;) Terms and Conditions&rdquo;, effective from 8 Jun 2024</h2>
&nbsp;
At ZA Bank, we continue to listen to our users&rsquo; feedback and improve our banking services. Therefore, we are updating the Card Statement Instalment Program (&ldquo;Statement Instalment Program&rdquo;) Terms and Conditions (&ldquo;Revised Terms&rdquo;). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.&nbsp;
We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;).&nbsp;
Summary of Amendments to the Terms and Conditions
<table class="MsoTableGrid" style="border-collapse: collapse; border: 1px solid #000000; width: 95%; border-spacing: 12px; margin-left: auto; margin-right: auto;" border="1" cellspacing="0" cellpadding="0">
<tbody>
<tr style="mso-yfti-irow: 0; mso-yfti-firstrow: yes;">
<td style="width: 22.6372%; border: 1px solid #000000; padding: 12px; text-align: center;" valign="top" width="108">
Section
</td>
<td style="width: 62.4782%; border-width: 1px; border-style: solid solid solid none; border-color: #000000; border-image: initial; padding: 12px; text-align: center;" valign="top" width="265">
Purpose of the changes and what they mean for you
</td>
<td style="width: 14.9171%; border-width: 1px; border-style: solid solid solid none; border-color: #000000; border-image: initial; padding: 12px; text-align: center;" valign="top" width="102">
Clause
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="width: 22.6372%; border-width: 1px; border-style: none solid solid; border-color: #000000; border-image: initial; padding: 12px;" valign="top" width="108">
3. Disbursement of Statement Instalment Program proceeds
</td>
<td style="width: 62.4782%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px;" valign="top" width="265">
Specified that proceeds will be disbursed to designated beneficiary banks and/or financial institutions through FPS, cashier&rsquo;s order or any other means designated by us from time to time, or to your designated account. 
</td>
<td style="width: 14.9171%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; text-align: center;" valign="top" width="102">
3.4
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="width: 22.6372%; border-width: 1px; border-style: none solid solid; border-color: #000000; border-image: initial; padding: 12px;" valign="top" width="108">
5. Repayment Arrangements
</td>
<td style="width: 62.4782%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px;" valign="top" width="265">
Supplemented details of the repayment arrangements of Statement Instalment Program:
1. &nbsp; &nbsp; &nbsp; Your obligations to repay outstanding amount as we prescribed from time to time; 
2. &nbsp; &nbsp; &nbsp; Your authorization to debit repayment from your designated account or other accounts as specified; 
3. &nbsp; &nbsp; &nbsp; Your options (at our discretion) to setup an eDDA which authorizes us to automatically debit your account for repayment; 
4. &nbsp; &nbsp; &nbsp; Your responsibilities to maintain sufficient funds in your account for repayment
</td>
<td style="width: 14.9171%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; text-align: center;" valign="top" width="102">
5.1
5.2
5.3
5.4
</td>
</tr>
<tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
<td style="width: 22.6372%; border-width: 1px; border-style: none solid solid; border-color: #000000; border-image: initial; padding: 12px;" valign="top" width="108">
13. Variation of terms to Statement Instalment Programs
</td>
<td style="width: 62.4782%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px;" valign="top" width="265">
Updated the prior notice period of a change to any terms affecting any fees or charges, or your liabilities or obligations from 30 days to 60 days
</td>
<td style="width: 14.9171%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; text-align: center;" valign="top" width="102">
13.2 
</td>
</tr>
</tbody>
</table>
&nbsp;
You can download a PDF version of the Revised Terms via <a style="color: #0000ee; text-decoration: underline;" href="https://bank.za.group/agreement/html/en_US/1001712">this link</a>.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.
Please note that the Amendments shall be binding on you if you do not terminate the above mentioned products or services before 8 Jun 2024. If you decline to accept the Amendments, you have the right to terminate the products or services in accordance with the relevant provisions under the Terms and Conditions before the above mentioned date.
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.&nbsp;
&nbsp;
8 April 2024

Notice of Amendment to the “Card Statement Instalment Program (“Statement Instalment Program”) Terms and Conditions”, effective from 8 Jun 2024

<h2 style="text-align: center; line-height: 1.5;">Notice of Amendment to the &ldquo;Instalment Loan Terms and Conditions&rdquo;, effective from 8 Jun 2024</h2>
&nbsp;
At ZA Bank, we continue to listen to our users&rsquo; feedback and improve our banking services. Therefore, we are updating the Instalment Loan Terms and Conditions (&ldquo;Revised Terms&rdquo;). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.&nbsp;
We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;).&nbsp;
Summary of Amendments to the Terms and Conditions
<table class="MsoTableGrid" style="border-collapse: collapse; border: 1px solid #000000; width: 95%; border-spacing: 12px; margin-left: auto; margin-right: auto;" border="1" cellspacing="0" cellpadding="0">
<tbody>
<tr style="mso-yfti-irow: 0; mso-yfti-firstrow: yes;">
<td style="width: 22.3055%; border: 1px solid #000000; padding: 12px; text-align: center; height: 34px;" valign="top" width="108">
Section
</td>
<td style="width: 61.0747%; border-width: 1px; border-style: solid solid solid none; border-color: #000000; border-image: initial; padding: 12px; text-align: center; height: 34px;" valign="top" width="265">
Purpose of the changes and what they mean for you
</td>
<td style="width: 16.6557%; border-width: 1px; border-style: solid solid solid none; border-color: #000000; border-image: initial; padding: 12px; text-align: center; height: 34px;" valign="top" width="102">
Clause
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="width: 22.3055%; border-width: 1px; border-style: none solid solid; border-color: #000000; border-image: initial; padding: 12px; height: 228px; text-align: left;" valign="top" width="108">
5. Repayment Arrangements
</td>
<td style="width: 61.0747%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; height: 228px;" valign="top" width="265">
Supplemented details towards the repayment arrangements of Instalment Loan Terms and Conditions:
1. Your obligations to repay outstanding amount as we prescribed from time to time;
2. Your authorization to debit repayment from your designated account or other accounts as specified;
3. Your options (at our discretion) to setup an eDDA which authorizes us to automatically debit your account for repayment;
4. Your responsibilities to maintain sufficient funds in your account for repayment
</td>
<td style="width: 16.6557%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; text-align: center; height: 228px;" valign="top" width="102">
5.1
5.2
5.3
5.4
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="width: 22.3055%; border-width: 1px; border-style: none solid solid; border-color: #000000; border-image: initial; padding: 12px; height: 121px; text-align: left;" valign="top" width="108">
13. Variation of terms to Instalment Loans means any person who applies for an Instalment Loan with us.
</td>
<td style="width: 61.0747%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; height: 121px;" valign="top" width="265">
Updated the prior notice period of a change to any terms affecting any fees or charges, or your liabilities or obligations from 30 days to 60 days
</td>
<td style="width: 16.6557%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; text-align: center; height: 121px;" valign="top" width="102">
13.2 
</td>
</tr>
</tbody>
</table>
&nbsp;
You can download a PDF version of the Revised Terms via <a style="color: #0000ee; text-decoration: underline;" href="https://bank.za.group/agreement/html/en_US/1001707">this link</a>.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.
Please note that the Amendments shall be binding on you if you do not terminate the above mentioned products or services before 8 Jun 2024. If you decline to accept the Amendments, you have the right to terminate the products or services in accordance with the relevant provisions under the Terms and Conditions before the above mentioned date.
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
8 April 2024

Notice of Amendment to the “Instalment Loan Terms and Conditions”, effective from 8 Jun 2024

<h2 style="text-align: center; line-height: 1.5;">Notice of Amendment to the &ldquo;Instalment Loan Top-up Terms and Conditions&rdquo;, effective from 8 Jun 2024</h2>
&nbsp;
At ZA Bank, we continue to listen to our users&rsquo; feedback and improve our banking services. Therefore, we are updating the Instalment Loan Top-up Terms and Conditions (&ldquo;Revised Terms&rdquo;). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.&nbsp;
We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;).
Summary of Amendments to the Terms and Conditions
<table class="MsoTableGrid" style="border-collapse: collapse; border: 1px solid #000000; width: 95%; border-spacing: 12px; margin-left: auto; margin-right: auto;" border="1" cellspacing="0" cellpadding="0">
<tbody>
<tr style="mso-yfti-irow: 0; mso-yfti-firstrow: yes;">
<td style="width: 24.0823%; border: 1px solid #000000; padding: 12px; text-align: center; height: 34px;" valign="top" width="108">
Section
</td>
<td style="width: 60.63%; border-width: 1px; border-style: solid solid solid none; border-color: #000000; border-image: initial; padding: 12px; text-align: center; height: 34px;" valign="top" width="265">
Purpose of the changes and what they mean for you
</td>
<td style="width: 15.2158%; border-width: 1px; border-style: solid solid solid none; border-color: #000000; border-image: initial; padding: 12px; text-align: center; height: 34px;" valign="top" width="102">
Clause
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="width: 24.0823%; border-width: 1px; border-style: none solid solid; border-color: #000000; border-image: initial; padding: 12px; height: 246px; text-align: center;" valign="top" width="108">
5. Repayment Arrangements
</td>
<td style="width: 60.63%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; height: 246px;" valign="top" width="265">
Supplemented details towards the repayment arrangements of Instalment Loan Top-up Terms and Conditions:
1. Your obligations to repay outstanding amount as we prescribed from time to time;
2. Your authorization to debit repayment from your designated account or other accounts as specified;
3. Your options (at our discretion) to setup an eDDA which authorizes us to automatically debit your account for repayment;
4. Your responsibilities to maintain sufficient funds in your account for repayment
</td>
<td style="width: 15.2158%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; height: 246px; text-align: center;" valign="top" width="102">
5.1
5.2
5.3
5.4
</td>
</tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="width: 24.0823%; border-width: 1px; border-style: none solid solid; border-color: #000000; border-image: initial; padding: 12px; height: 92px; text-align: center;" valign="top" width="108">
13. Variation of terms to Instalment Loan Top-up Terms and Conditions
</td>
<td style="width: 60.63%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; height: 92px;" valign="top" width="265">
Updated the prior notice period of a change to any terms affecting any fees or charges, or your liabilities or obligations from 30 days to 60 days
</td>
<td style="width: 15.2158%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; height: 92px; text-align: center;" valign="top" width="102">
13.2 
</td>
</tr>
</tbody>
</table>
&nbsp;
You can download a PDF version of the Revised Terms via <a style="color: #0000ee; text-decoration: underline;" href="https://bank.za.group/agreement/html/en_US/1001711">this link</a>.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.
Please note that the Amendments shall be binding on you if you do not terminate the above mentioned products or services before 8 Jun 2024. If you decline to accept the Amendments, you have the right to terminate the products or services in accordance with the relevant provisions under the Terms and Conditions before the above mentioned date.&nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.&nbsp;
&nbsp;
8 April 2024

Notice of Amendment to the “Instalment Loan Top-up Terms and Conditions”, effective from 8 Jun 2024

<h2 style="text-align: center; line-height: 1.5;">Notice of Amendment to the &ldquo;100% Personal Loan Guarantee Scheme Terms and Conditions&rdquo; and &ldquo;100% Personal Loan Guarantee Scheme Top-up Loan Terms and Conditions&rdquo;, effective from 8 Jun 2024</h2>
&nbsp;
At ZA Bank, we continue to listen to our users&rsquo; feedback and improve our banking services. Therefore, we are updating the 100% Personal Loan Guarantee Scheme Terms and Conditions and 100% Personal Loan Guarantee Scheme Top-up Loan Terms and Conditions (&ldquo;Revised Terms&rdquo;). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.&nbsp;
We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;).&nbsp;
Summary of Amendments to the Terms and Conditions
<table style="width: 95%; border-collapse: collapse; border: 1px solid #000000; border-spacing: 12px; margin-left: auto; margin-right: auto;" border="1">
<tbody>
<tr>
<td style="border-color: #000000; text-align: center; width: 27.9381%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
Section
</td>
<td style="border-color: #000000; text-align: center; width: 65.4334%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
Purpose of the changes and what they mean for you
</td>
<td style="border-color: #000000; text-align: center; width: 6.60849%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
Clause
</td>
</tr>
<tr>
<td style="border-color: #000000; width: 27.9381%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
5. Repayment Arrangements
</td>
<td style="border-color: #000000; width: 65.4334%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
Supplemented details of the repayment arrangements of 100% Personal Loan Guarantee Scheme Top-up Loans / 100% Personal Loan Guarantee Scheme:
1. Your obligations to repay outstanding amount as we prescribed from time to time;
2. Your authorization to debit repayment from your designated account or other accounts as specified;
3. Your options (at our discretion) to setup an eDDA which authorizes us to automatically debit your account for repayment;
4. Your responsibilities to maintain sufficient funds in your account for repayment
</td>
<td style="border-color: #000000; text-align: center; width: 6.60849%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
5.1
5.2
5.3
5.4
</td>
</tr>
<tr>
<td style="border-color: #000000; width: 27.9381%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
13. Variation of terms to 100% Personal Loan Guarantee Scheme / 100% Personal Loan Guarantee Scheme Top-up Loan
</td>
<td style="border-color: #000000; width: 65.4334%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
Updated the prior notice period of a change to any terms affecting any fees or charges, or your liabilities or obligations from 30 days to 60 days
</td>
<td style="border-color: #000000; text-align: center; width: 6.60849%; border-width: 1px !important; border-style: solid !important; border-image: initial !important; padding: 12px;">
13.2
</td>
</tr>
</tbody>
</table>
&nbsp;
You can download a PDF version of the Revised Terms via below links.
<a style="color: #0000ee; text-decoration: underline;" href="https://bank.za.group/agreement/html/en_US/1001709">100% Personal Loan Guarantee Scheme</a>
<a style="color: #0000ee; text-decoration: underline;" href="https://bank.za.group/agreement/html/en_US/1001710">100% Personal Loan Guarantee Scheme Top-up Loan</a>
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.
Please note that the Amendments shall be binding on you if you do not terminate the above mentioned products or services before 8 Jun 2024. If you decline to accept the Amendments, you have the right to terminate the products or services in accordance with the relevant provisions under the Terms and Conditions before the above mentioned date.
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
8 April 2024

Notice of Amendment to the “100% Personal Loan Guarantee Scheme Terms and Conditions” and “100% Personal Loan Guarantee Scheme Top-up Loan Terms and Conditions”, effective from 8 Jun 2024

<h2 class="MsoNormal" style="text-align: center; line-height: 1.5;">Notice of Amendment to the &ldquo;Salary FastPass Terms and Conditions&rdquo;, effective from 8 Jun 2024</h2>
&nbsp;
At ZA Bank, we continue to listen to our users&rsquo; feedback and improve our banking services. Therefore, we are updating the Salary FastPass Terms and Conditions (&ldquo;Revised Terms&rdquo;). Understand this may sound boring but to better protect your interests, please bear with us and spare several minutes to read this through carefully.
We have outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;).
<table class="MsoTableGrid" style="border-collapse: collapse; border: 1px solid #000000; width: 95%; border-spacing: 12px; margin-left: auto; margin-right: auto;" border="1" cellspacing="0" cellpadding="0">
<tbody>
<tr style="mso-yfti-irow: 0; mso-yfti-firstrow: yes;">
<td style="width: 25.6391%; border: 1px solid #000000; padding: 12px; text-align: center;" valign="top" width="108">
Section
</td>
<td style="width: 57.1092%; border-width: 1px; border-style: solid solid solid none; border-color: #000000; border-image: initial; padding: 12px; text-align: center;" valign="top" width="265">
Purpose of the changes and what they mean for you
</td>
<td style="width: 17.1854%; border-width: 1px; border-style: solid solid solid none; border-color: #000000; border-image: initial; padding: 12px; text-align: center;" valign="top" width="102">
Clause
</td>
</tr>
<tr style="mso-yfti-irow: 1; mso-yfti-lastrow: yes;">
<td style="width: 25.6391%; border-width: 1px; border-style: none solid solid; border-color: #000000; border-image: initial; padding: 12px; text-align: center;" valign="top" width="108">
15. Variation of terms of the Salary FastPass
</td>
<td style="width: 57.1092%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; text-align: center;" valign="top" width="265">
Updated the prior notice period of a change to any terms affecting any fees or charges, or your liabilities or obligations from 30 days to 60 days
</td>
<td style="width: 17.1854%; border-width: 1px; border-style: none solid solid none; border-color: #000000; padding: 12px; text-align: center;" valign="top" width="102">
15.2 
</td>
</tr>
</tbody>
</table>
&nbsp;
You can download a PDF version of the Revised Terms via <a style="color: #0000ee; text-decoration: underline;" href="https://bank.za.group/agreement/html/en_US/1001708">this link</a>.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.
Please note that the Amendments shall be binding on you if you do not terminate the above mentioned products or services before 8 Jun 2024. If you decline to accept the Amendments, you have the right to terminate the products or services in accordance with the relevant provisions under the Terms and Conditions before the above mentioned date.
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
8 April 2024

Notice of Amendment to the “Salary FastPass Terms and Conditions”, effective from 8 Jun 2024

Notice of Termination of ZA Savings Go
&nbsp;
<img class="WACImage SCXW7565083 BCX8" style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/6cf26b26-ee2c-4b2e-b943-2797c71cbd1b/e36454e4-9dcc-4f5e-b48f-96f74d92d215/blob" alt="A picture containing chart

Description automatically generated" />
"ZA Savings Go"* has been a key feature since ZA Bank officially launched its services to the public. Time flies, and it has already been over 4 years. In our continued pursuit of enhancing our users' savings experience, "ZA Savings Go" annual interest rate promotional offer for our savings deposit will no longer be available starting from 8 April 2024. The basic savings annual interest rate will remain unchanged. The annual interest rate of our savings account will be adjusted as follows:
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/6cf26b26-ee2c-4b2e-b943-2797c71cbd1b/fde63700-f306-469c-8990-aaae2b8ee291/image.png" width="689" height="75" />
&nbsp;
ZA Bank will continue to provide you with deposit services with no minimum balance requirements and without fees. Your interest will be calculated daily and paid out every month, and you can deposit and withdraw at any time. We are&nbsp;currently working on something that's even more rewarding for you, so please stay tuned! 😉 Thank you for your support over the years. Feel free to get in touch through the ZA Bank App if you need any assistance.
&nbsp;
ZA Bank&nbsp; &nbsp;
* The "ZA Savings Go" <a class="Hyperlink SCXW222154142 BCX8" style="color: #284ef8;" href="https://bank.za.group/agreement/html/en_US/1000520" target="_blank" rel="noreferrer noopener">Terms and Conditions</a> will be terminated on 8 April 2024.

Notice of Termination of ZA Savings Go

Express Account Opening Scheduled Maintenance&nbsp;
&nbsp; &nbsp; &nbsp;Due to system maintenance, our Express Account Opening service for business banking account online applications will be unavailable from 9 a.m. to 1 p.m on 24 March 2024(Sunday). Thank you for your understanding.
&nbsp; &nbsp; &nbsp;If you have any questions, please feel free to contact us at (852) 3665 3665.

Express Account Opening Scheduled Maintenance 

Alert: ZA Bank has no connection with cryptocurrency trading platform Astral
&nbsp;
We&rsquo;ve noticed a digital currency exchange website &ldquo;hxxps://www.astralsec[.]com/&rdquo; and its mobile app &ldquo;Astral-Global Asset Allocation&rdquo; (&ldquo;Astral Websites/Applications&rdquo;), which look very similar in design to the Bank&rsquo;s official website and ZA Bank App.
We hereby confirm and advise that the Astral Websites/Applications and the company involved have no connection with ZA Bank and any of its associated companies. ZA Bank and its associated companies shall not be responsible for any loss or damage caused by or in connection with the Astral Websites/Applications. If you want to access our banking services, please log into the ZA Bank App on your mobile phone.
Here are the relevant screenshots:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/6726bfaa-3d94-404c-92d0-60ecd91c87a4/59ebf00c-9216-44c2-b13a-5a33421d555b/image.png" width="950" height="359" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/6726bfaa-3d94-404c-92d0-60ecd91c87a4/1f0eed52-b903-4169-a270-f2c9d03879bc/image.png" width="950" height="484" /> &nbsp;
Our official website address is bank.za.group/en/. Please be sure to download ZA Bank App through the official channels only: App Store, Google Play and our official website.
According to the reminder from the Securities and Futures Commission (SFC), investors should be wary of the risks of trading virtual assets on an unregulated VATP. Investors may risk losing their entire investment held on the platform if it ceases operation, collapses, is hacked or otherwise suffers from any misappropriation of assets. Investors are also urged to check the regulatory status of VATPs on the lists of virtual asset trading platforms on the SFC&rsquo;s website.
If you&rsquo;re concerned, please get in touch via the Online Chat in the ZA Bank App, or call our 24/7 customer service hotline on 3665 3665.
&nbsp;

Alert: ZA Bank has no connection with cryptocurrency trading platform Astral

Express Account Opening Scheduled Maintenance&nbsp;
&nbsp; &nbsp; &nbsp;Due to system maintenance, our Express Account Opening service for business banking account online applications will be unavailable from 7 a.m. to 5 p.m on 10 march 2024(Sunday). Thank you for your understanding.
&nbsp; &nbsp; &nbsp;If you have any questions, please feel free to contact us at (852) 3665 3665.

Scheduled Maintenance
&nbsp;
In order to improve user experience and service quality, we will conduct system maintenance from 3:00 a.m. to 4:00 a.m. on Saturday, 2 March 2024. Please note that our customer service hotline may be temporarily unavailable during this period. For assistance, please contact us via live chat in ZA Bank App.
We apologise in advance for any inconvenience this may cause.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/71494f5b-5258-46c0-a405-e973de151526/8bf194be-c795-4aec-a236-1738de5a6183/001.png" alt="" width="953" height="204" />

Scheduled Maintenance — 2 March 2024 (Saturday) 03:00 a.m. - 04:00 a.m.

Announcement on SMS Sender Registration Scheme&nbsp;
&nbsp;
According to the Hong Kong Association of Banks, starting from 28 January 2024, retail and virtual banks who have joined the SMS Sender Registration Scheme (the &ldquo;Scheme&rdquo;)*, which is operated by the Office of the Communications Authority, will use Registered SMS Sender IDs (&ldquo;Sender IDs&rdquo;) with the prefix "#" to send one-way SMS messages to their users.
As ZA Bank is a registrant of this Scheme, starting on 28 January 2024, ZA Bank will send you SMS messages with Sender IDs including #ZABank, #ZA Bank or #ZA_Bank. &nbsp;As a warm reminder, if you receive an SMS message without the prefix &ldquo;#&rdquo; indicating that it was sent from an unregistered and unknown sender, please always stay vigilant and be cautious of SMS messages from unknown origin. Please do not disclose any information, including personal information and bank account numbers, to unidentified senders, access any hyperlinks in the SMS, or transfer money as requested to avoid suffering any loss. You can also use the &ldquo;Scameter&rdquo; launched by the Hong Kong Police Force to assess the risk of fraud associated with the phone number or URL.
If you have any doubts or enquiries, please feel free to contact our 24 x 7 customer service team at +852 3665 3665. &nbsp; &nbsp;
&nbsp;
ZA Bank
&nbsp;
* The Scheme only applies to local subscribers of services provided by Hong Kong telecommunications service providers (i.e. local mobile users). It does not apply to:
<ul>
<li>&bull; &nbsp; &nbsp;SMS messages where customers are expected to give a reply; or</li>
<li>&bull; &nbsp; &nbsp;Local subscribers of Single-Card-Multiple-Numbers/One-Card-Two-Numbers mobile services provided by non-Hong Kong operators</li>
</ul>

Announcement on SMS Sender Registration Scheme 

Notice of Amendment to 'Terms and Conditions for Investment Services'
(effective from 19 February 2024)
&nbsp;
ZA Bank Limited (&ldquo;We&rdquo; or &ldquo;ZA Bank&rdquo;) is updating our &ldquo;Terms and Conditions for Investment Services&rdquo; (&ldquo;Revised Terms&rdquo;), which will take effect from 19 February 2024. &nbsp;We know this may sound boring, but to better protect your interests, please bear with us and take a few minutes to read through this notice carefully.
We've outlined the major changes to the Revised Terms in the table below for your information (&ldquo;Amendments&rdquo;). These Amendments are made in order to:
<ol>
<li>1. &nbsp; &nbsp;offer you the US securities trading service in the near future;</li>
<li>2. &nbsp; &nbsp;specify the service scope and the limitation of the US securities trading service, and our role in provision of the service;</li>
<li>3. &nbsp; &nbsp;clarify that you will use your investment account and our investment services responsibly and</li>
<li>4. &nbsp; &nbsp;provide you the risk disclosure statement related to securities trading service&nbsp;</li>
</ol>
&nbsp;
You can download a PDF version of the Revised Terms via this <a style="color: #32cb9d;" href="https://bank.za.group/agreement/pdf/en_US/1001409" target="_blank" rel="noopener">link</a>.&nbsp;
Words mentioned in this Notice shall have the same meaning as defined in &ldquo;Terms and Conditions for Investment Services&rdquo;, where applicable.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.&nbsp;
Please note that the Revised Terms will be binding on you if you use or continue to use any of our products or services on or after 19 February 2024. If you do not accept the Revised Terms, you have the right to terminate the account(s), products and services with us according to the relevant provisions under the General Account Terms and Conditions before 19 February 2024. &nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
ZA Bank Limited&nbsp;
&nbsp;
Summary of Amendments to the Revised Terms&nbsp;
Note: from clause 4 onwards, the numbering has been changed/updated.&nbsp;
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a10f8d67-7b79-47b1-863a-e62e1ce9ebb5/ef2f8ab8-b922-46c1-83b5-f1b9e12ad8e2/image.png" width="650" height="849" />
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a10f8d67-7b79-47b1-863a-e62e1ce9ebb5/c89c2158-61da-4650-977e-7aad121c6ff3/image.png" width="650" height="707" />
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a10f8d67-7b79-47b1-863a-e62e1ce9ebb5/269ea3e3-c101-49dd-847b-e7f010245a34/image.png" width="650" height="613" />

Notice of Amendment to 'Terms and Conditions for Investment Services' (effective from 19 February 2024)

Scheduled Maintenance
&nbsp;
In order to improve user experience and service quality, we'll conduct scheduled maintenance during the early morning hours of the following date. The below banking services will be temporarily suspended during the maintenance period:&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ca8ea3a1-59f0-4ce3-ac67-87f584790d50/6f1d2c69-90b6-4a59-8fe7-4d0142900a01/image.png" width="642" height="286" />
&nbsp;
&nbsp;

Scheduled Maintenance — 14 January 2024 (Sunday) 05:00 a.m. - 07:00 a.m.

Notice of Amendment to the &ldquo;General Account Terms and Conditions&rdquo;
 (effective from 30 January 2024)
&nbsp;
ZA Bank Limited (&ldquo;We&rdquo;) are updating our &ldquo;General Account Terms and Conditions&rdquo; (&ldquo;Revised Terms&rdquo;), which will take effect from 30 January 2024.&nbsp; Please read this notice of amendment carefully for the benefit of your protection.&nbsp;
&nbsp;
We have outlined the key changes to the Revised Terms (&ldquo;Amendments&rdquo;) in the table below for your information. These Amendments are made in order to:&nbsp;
<ol>
<li>set out the relevant terms of our Savings sub-account service, which will soon be available to you.</li>
</ol>
&nbsp;
You can download a PDF version of the Revised Terms via <a style="color: #e67e23;" href="https://bank.za.group/agreement/pdf/en_US/1001571">this link</a>.&nbsp;
&nbsp;
Words mentioned in this Notice shall have the same meaning as defined in &ldquo;General Terms and Conditions&rdquo;, where applicable.&nbsp;
&nbsp;
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on the homepage, select &ldquo;About ZA&rdquo;) or our website under the &ldquo;Terms and Conditions&rdquo; section.&nbsp;&nbsp;
&nbsp;
Please note that the Revised Terms will be legally binding on you if you use or continue to use any of our products or services on or after 30 January 2024. If you do not accept the Revised Terms, you have the right to terminate the account(s), products and services with us according to the relevant provisions under the General Account Terms and Conditions before 30 January 2024.&nbsp;&nbsp;&nbsp;
&nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.&nbsp;
&nbsp;
&nbsp;
ZA Bank Limited
&nbsp;
&nbsp;
Summary of Amendments to the Revised Terms
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0ba20c1c-76e1-4738-8159-a3a5e6f3ae8f/b1fcf413-6102-41f9-bc08-4514d493a848/image.png" />

Notice of Amendment to the “General Account Terms and Conditions”  (effective from 30 January 2024)

Beware of fraudulent websites
&nbsp;
We&rsquo;ve noticed fraudulent websites claiming to be from ZA Bank. The phishing website addresses are:&nbsp;
<ul>
<li>&bull; &nbsp; &nbsp;hxxps://awadfo[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://hgjawe[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://hhtrez[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://vbfgrw[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://vbooeq[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://xcerwa[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://20[.]255[.]58[.]50</li>
<li>&bull; &nbsp; &nbsp;hxxps://dqwybb[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://jgyhji[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://qwbeqyb[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://ubnquw[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxps://cvxcde[.]com/</li>
<li>&bull; &nbsp; &nbsp;hxxp://awadfo[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://hgjawe[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://hhtrez[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://vbfgrw[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://vbooeq[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://xcerwa[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://20[.]255[.]58[.]50</li>
<li>&bull; &nbsp; &nbsp;hxxp://dqwybb[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://jgyhji[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://qwbeqyb[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://ubnquw[.]com</li>
<li>&bull; &nbsp; &nbsp;hxxp://cvxcde[.]com</li>
</ul>
&nbsp;
We have no connection with the fraudulent websites involved. Please don&rsquo;t share any sensitive personal information or download the unauthorised Application Package Kit (APK). If you want to access our banking services, please log into the ZA Bank App on your mobile phone.
Our official website address is bank.za.group/en/. Please be sure to download ZA Bank App through the official channels only: App Store, Google Play and our official website.
If you&rsquo;re concerned, please get in touch via the Online Chat in the ZA Bank App, or call our 24/7 customer service hotline on 3665 3665. If you&rsquo;ve disclosed your personal or account login details to the above websites, or conducted transactions via the unauthorised mobile app, please reset your account password in the ZA Bank App immediately and report to the Police as soon as possible.
&nbsp;
ZA Bank
18 December 2023

Beware of fraudulent websites

No authorised intermediaries to assist customers in opening bank accounts in Hong Kong and charge fees
A friendly reminder: ZA Bank does not authorise intermediaries to assist customers in opening bank accounts and charge fees. If you need to open an account or have any concerns, please contact our customer service team via the ZA Bank App, or call our 24 x 7 customer service hotline at 3665 3665.
ZA Bank

No authorised intermediaries to assist customers in opening bank accounts in Hong Kong and charge fees

Scheduled Maintenance
&nbsp;
In order to improve user experience and service quality, we'll conduct scheduled maintenance during the early morning hours of the following date. The below banking services will be temporarily suspended during the maintenance period:&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/92b51f3e-3f1d-44a1-81b3-8edaff72ae1b/385ed57c-6309-4ac6-9e6c-e1eae0bca3cf/image.png" width="720" height="206" />

Scheduled Maintenance — 3 December 2023 (Sunday) 03:00 a.m. - 09:00 a.m.

FPS Scheduled Maintenance
&nbsp;
Due to FPS system maintenance, the following transfer-related services will not be available from 00:30 a.m. to 11:30 a.m. on Sunday, 26 November 2023. Customers may wish to make advance arrangements for their payment activities if necessary.
For enquiry, please contact our customer service at (852) 3665 3665 or in the ZA Bank App.
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b1f10047-9033-4054-8bc2-68222ac764fd/85c30d61-9b07-41ba-9509-937b2937de75/image.png" width="900" height="234" />

FPS Scheduled Maintenance – 26 November 2023 (Sunday) 00:30 a.m. – 11:30 a.m.

Express Account Opening Scheduled Maintenance&nbsp;
&nbsp; &nbsp; &nbsp;Due to system maintenance, our Express Account Opening service for business banking account online applications will be unavailable from 12 November 2023 (Sunday) 7:00 to 12 November 2023 (Sunday) 15:00. Thank you for your understanding.
&nbsp; &nbsp; &nbsp;If you have any questions, please feel free to contact us at (852) 3665 3665.

With effect from 8 December 2023, the savings interest rate for all CNY business banking savings accounts will be revised as follows:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/6b23ec55-7588-41d7-b7a6-3823e5fda1d5/6cfaa619-fd12-4994-83c5-c17a610701ea/image.png" />
&nbsp;
&nbsp;

Notice of Amendment on Savings Interest Rate for CNY Business Banking Savings Account

Beware of fraudulent website
&nbsp;
We&rsquo;ve noticed a fraudulent website claiming to be from ZA Bank. The phishing website addresses are:
<ul>
<li>hxxps://flvxca[.]com</li>
<li>hxxp://flvxca[.]com</li>
<li>hxxp://sdekjfo[.]com</li>
<li>hxxps://sdekjfo[.]com</li>
<li>hxxps://sddgfo[.]com</li>
<li>hxxp://eriuioklz[.]com</li>
<li>hxxps://eriuioklz[.]com</li>
<li>hxxp://rewroiz[.]com</li>
<li>hxxps://rewroiz[.]com</li>
<li>hxxps://lkjdfopi[.]com</li>
<li>hxxp://lkjdfopi[.]com</li>
<li>hxxp://rkejtgfd[.]com</li>
<li>hxxps://rkejtgfd[.]com</li>
<li>hxxp://flgvrek[.]com</li>
<li>hxxps://bdnnns[.]com</li>
<li>hxxp://bdnnns[.]com</li>
<li>hxxps://api.wqebew[.]com</li>
<li>hxxp://api.wqebew[.]com</li>
</ul>
&nbsp;
We have no connection with the fraudulent website involved. Please don&rsquo;t share any sensitive personal information or download the unauthroised Android Application Package Kit (APK). If you want to access our banking services, please log into the ZA Bank App on your mobile phone.
Our official website address is bank.za.group/en/. Please be sure to download ZA Bank App through the official channels only: App Store, Google Play and our official website.
If you&rsquo;re concerned, please get in touch via the Online Chat in the ZA Bank App, or call our 24/7 customer service hotline on 3665 3665. If you&rsquo;ve disclosed your personal or account login details to the above website, or conducted transactions via the unauthorised mobile app, please reset your account password in the ZA Bank App immediately and report to the Police as soon as possible.
&nbsp;
ZA Bank
26 October 2023

Beware of fraudulent website

Notice of Amendment to 'General Account Terms and Conditions'
(effective from 26 November 2023)
&nbsp;
ZA Bank Limited (&ldquo;We&rdquo;) are updating our 'General Account Terms and Conditions' ('Revised Terms'), which will take effect from 26 November 2023. Please read this notice of amendment carefully for the benefit of your protection.
We have outlined the key changes to the Revised Terms ('Amendments') in the table below for your information. These Amendments are made in order to:
<ol>
<li>1. &nbsp; &nbsp;Clarify and specify your obligations regarding payments and fund transfers, and in giving instructions to make payments or effect transactions.</li>
<li>2. &nbsp; &nbsp;Clarify about limitation of our liability and that we are not liable for any delay, unavailability, disruption, failure, error of or caused by HKICL FPS, or any functionality of the Faster Payment System, or arising from any circumstances beyond our reasonable control.&nbsp; </li>
</ol>
You can download a PDF version of the Revised Terms via <a style="color: #f1c40f;" href="https://bank.za.group/agreement/pdf/en_US/1001506" target="_blank" rel="noopener">this link</a>.
Words mentioned in this Notice shall have the same meaning as defined in 'General Terms and Conditions', where applicable.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on the homepage, select 'About ZA') or our website under the 'Terms and Conditions' section.&nbsp;
Please note that the Revised Terms will be legally binding on you if you use or continue to use any of our products or services on or after 26 November 2023. If you do not accept the Revised Terms, you have the right to terminate the account(s), products and services with us according to the relevant provisions under the General Account Terms and Conditions before 26 November 2023. &nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
ZA Bank Limited
&nbsp;
Summary of Amendments to the Revised Terms&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a335b0b9-a491-4d84-b3dd-598920f18887/ca3e6211-7ba3-4ae6-9a73-98079f385eab/image.png" width="650" height="670" />
&nbsp;

Notice of Amendment to 'General Account Terms and Conditions' (effective from 26 November 2023)

Beware of fraudulent website
&nbsp;
We&rsquo;ve noticed a fraudulent website claiming to be from ZA Bank. The phishing website address is &lsquo;hxxps://ngfdho[.]com/&rsquo;.&nbsp;
We have no connection with the fraudulent website involved. Please don&rsquo;t share any sensitive personal information or download the unauthroised Android Application Package Kit (APK). If you want to access our banking services, please log into the ZA Bank App on your mobile phone.
Here are the screenshots of the fraudulent website:
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/292398dd-fb8b-4304-977f-bdcb2219acdc/2e4d4b20-346f-4543-95f9-a694af5b03e4/MicrosoftTeams-image (4).png" alt="" width="364" height="736" />
&nbsp;
Our official website address is bank.za.group/en/. Please be sure to download ZA Bank App through the official channels only: App Store, Google Play and our official website.
If you&rsquo;re concerned, please get in touch via the Online Chat in the ZA Bank App, or call our 24/7 customer service hotline on 3665 3665. If you&rsquo;ve disclosed your personal or account login details to the above website, or conducted transactions via the unauthorised mobile app, please reset your account password in the ZA Bank App immediately and report to the Police as soon as possible.
&nbsp;
ZA Bank
15 October 2023

Scheduled Maintenance
&nbsp;
We'll conduct scheduled maintenance from 02:30 to 05:00 on Sunday 15 October 2023, and from 03:00 to 09:00 on Sunday 29 October 2023. During this period, the following banking services won't be available. Customers may wish to make advance arrangements for their banking activities if necessary. Thank you for your understanding.
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/33099702-f612-42c4-a083-e3b133913408/d64f975c-3bdb-4fdc-beff-9225c52d13f3/image.png" width="920" height="272" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/33099702-f612-42c4-a083-e3b133913408/20ce7c23-49d1-4680-8a36-dcd7cf7ae97b/image.png" width="920" />

Scheduled Maintenance

Notice of Amendment to 'Fees and Charges Guide for Individual Customers'
(Effective from 1 October 2023)
&nbsp;
We're updating the Fees and Charges Guide for Individual Customers ('Fees and Charges Guide'), which will be effective from 1 October 2023. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests.
Amendments to the Fees and Charges Guide are listed below:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bdf67a67-fa0a-4729-ad20-7c42b46c59ac/4765cf2c-c9ee-4e9d-a2ff-0df8a35a5a1d/image.png" width="650" height="397" />
&nbsp;
Please note:
The amendments will be binding on you if you don't stop using Instalment Loan / Instalment Loan Top-up / Card Statement Instalment Program / Debt Consolidation Program or Outward Remittance before 1 October 2023.
If you decline to accept the amendments, you have the right to stop using the products or services according to the relevant provisions under ZA Bank&rsquo;s General Account Terms and Conditions, Outward Remittance Terms and Conditions, and Instalment Loan / Instalment Loan Top-up / Card Statement Instalment Program / Debt Consolidation Program Terms and Conditions before the above mentioned date.
For further assistance, please get in touch with us via ZA Bank App.
&nbsp;
ZA Bank

Notice of Amendment to 'Fees and Charges Guide for Individual Customers' (Effective from 1 October 2023)

Beware of fraudulent website
&nbsp;
WATCH OUT! We&rsquo;ve noticed a fraudulent website claiming to be from ZA Bank. The phishing website address is &lsquo;hxxps://brqwyb[.]com&rsquo;, which suggests you to enter your personal or account login details, and download an unauthorised mobile app.
We&rsquo;ve no connection with the fraudulent website involved. Please don&rsquo;t share any sensitive personal information or download the unauthroised Android Application Package Kit (APK). If you want to access our banking services, please log into the ZA Bank App on your mobile phone.
Here are the screenshots of the fraudulent website:
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/79aafdf4-10be-4e90-afe0-e96e53a54266/13137db9-b43d-4882-b8de-8686bb23379f/Picture1.png" alt="" width="864" height="435" />
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/79aafdf4-10be-4e90-afe0-e96e53a54266/07817e60-d05b-465c-a8d5-1a77b7d60085/Picture2.png" alt="" width="864" height="205" />
&nbsp;
Our official website address is bank.za.group/en/. Please be sure to download ZA Bank App through the official channels only: App Store, Google Play and our official website.
If you&rsquo;re concerned, please get in touch via the Online Chat in the ZA Bank App, or call our 24/7 customer service hotline on 3665 3665. If you&rsquo;ve disclosed your personal or account login details to the above website, or conducted transactions via the unauthorised mobile app, please reset your account password in the ZA Bank App immediately and report to the Police as soon as possible.
&nbsp;
ZA Bank
22 August 2023

Scheduled Maintenance
&nbsp;
We'll conduct a scheduled maintenance from 4:00 a.m. to 6:00 a.m. on Sunday, 13 August 2023. During this period, there might be a short pause of the following fund transfer-related services. Customers may wish to make advanced arrangements for their payment activities or retry later if necessary.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b9496a03-c6cd-4499-9d62-888547d85fd8/5d636113-bce7-40c7-ac90-37b160939ea8/image.png" width="780" height="271" />

Scheduled Maintenance – 13 Aug 2023 (Sunday) 4:00 a.m. – 6:00 a.m.

Notice of Amendment to 'Fees and Charges Guide for Individual Customers'
(Effective from 1 October 2023)
&nbsp;
We're updating the Fees and Charges Guide for Individual Customers ('Fees and Charges Guide'), which will be effective from 1 October 2023. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests.
Amendments to the Fees and Charges Guide are listed below:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bc379cac-0785-4ab0-8661-a36c5c99149d/c588b75e-24cb-4684-90a8-b8ee8c2eaa2f/image.png" width="675" height="241" />
&nbsp;
Please note:
The amendments will be binding on you if you do not stop using Instalment Loan / Instalment Loan Top-up / Card Statement Instalment Program / Debt Consolidation Program before 1 October 2023.
If you decline to accept the amendments, you have the right to stop using the products or services according to the relevant provisions under ZA Bank&rsquo;s General Account Terms and Conditions, and Instalment Loan / Instalment Loan Top-up / Card Statement Instalment Program / Debt Consolidation Program Terms and Conditions before the above mentioned date.
For further assistance, please get in touch with us via ZA Bank App.
&nbsp;
ZA Bank

ZA Card system scheduled maintenance
&nbsp;
Due to system maintenance, the following ZA Card related services will be suspended from 19 Jul 2023 (Wednesday) 21:00 to 20 Jul 2023 (Thursday) 01:00. Sorry for any inconveniences caused.
1. &nbsp; &nbsp;Card transaction service, including all POS (Point-of-sale) transactions, online transactions, recurring transactions, and transaction enquiry for both physical and virtual card 2. &nbsp; &nbsp;ATM services, including ATM enquiry, ATM cash withdrawal 3.&nbsp; &nbsp; Adding card to a digital wallet, excluding Apple Pay/Google Pay
The affected service time may vary subject to the maintenance progress, and we&rsquo;ll keep you posted. Thank you for your understanding.
For enquiry, please contact our customer service at +852 3665 3665 or in the ZA Bank App.

ZA Card system scheduled maintenance - 19 Jul 2023 (Wednesday) 9:00 p.m. to 20 Jul 2023 (Thursday) 1:00 a.m.

Change to USD &amp; HKD Prime Rate
&nbsp;
Due to the recent increase in the USD Federal Funds Rate, we're revising our USD Prime Rate from 8.00% p.a. to 8.25% p.a. and HKD Prime Rate from 6.375% p.a. to 6.625% p.a. effective 22 May 2023 (Monday). Thank you for your support to ZA Bank.
ZA Bank

USD & HKD Prime rate change

Notice of Amendment to 'General Account Terms and Conditions'
(effective from 12 June 2023)
&nbsp;
We're updating our 'General Account Terms and Conditions' ('Revised Terms'), which will take effect from 12 June 2023. We know this may sound boring, but to better protect your interests, please bear with us and take a few minutes to read through this notice carefully.
We have outlined the major changes to the Revised Terms in the table below for your information ('Amendments'). These Amendments are made in order to:
<ol>
<li>1.&nbsp; clarify that you will use your account and our services responsibly;</li>
<li>2.&nbsp; specify your responsibilities when giving funds transfer Instructions to us;</li>
<li>3.&nbsp; clarify the circumstances and our respective rights on termination and suspension of any part of your account or services;</li>
<li>4.&nbsp; clarify that we can exercise our right to set-off with or without notice to you; and</li>
<li>5.&nbsp; supplement the description of sales staff remuneration.</li>
</ol>
&nbsp;
You can download a PDF version of the Revised Terms via <a href="https://bank.za.group/agreement/pdf/en_US/1001325" target="_blank" rel="noopener">this link</a>.
You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select 'About ZA') or our website under the 'Terms and Conditions' section.&nbsp;
Please note that the Revised Terms will be binding on you if you use or continue to use any of our products or services on or after 12 June 2023. If you don't accept the Revised Terms, you have the right to terminate the account(s), products and services with us according to the relevant provisions under the General Account Terms and Conditions before 12 June 2023. &nbsp;
Please feel free to get in touch with us through the ZA Bank App if you need any assistance.
&nbsp;
ZA Bank
&nbsp;
 Summary of Amendments to the Revised Terms&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a040ee88-1819-45ac-899a-af40b6058c4d/06bc8b85-b38b-40a1-bd3b-36ab1e139efa/image.png" width="750" height="1058" />

Notice of Amendment to 'General Account Terms and Conditions' (effective from 12 June 2023)

Express Account Opening Scheduled Maintenance&nbsp;
&nbsp; &nbsp; &nbsp;Due to system maintenance, our Express Account Opening service for business banking account online applications will be unavailable from 13 May 2023 (Saturday) 17:00 to 14 May 2023 (Sunday) 23:59. Thank you for your understanding.
&nbsp; &nbsp; &nbsp;If you have any questions, please feel free to contact us at (852) 3665 3665.

FPS Scheduled Maintenance
&nbsp;
Due to FPS system maintenance, transfer-related services including fund transfer, addressing registration, global transfer and loan disbursement to credit cards and/or loan accounts of other banks will not be available from 00:30 a.m. to 11:30 a.m. on 14 May 2023 (Sunday). Customer may wish to make advance arrangements for their payment activities if necessary.
For enquiry, please contact our customer service at +852 3665 3665 or in the ZA Bank App.
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/2b508ceb-2220-463d-88cf-1758e3c51e76/19ab4eb4-4ba1-461b-8ac9-8c5638af1690/image.png" height="300" />
&nbsp;
ZA Bank

FPS Scheduled Maintenance – 14 May 2023 (Sunday) 00:30 a.m. – 11:30 a.m.

Updates on &lsquo;Easy Deposit&rsquo;
(Effective from 5 May 2023)
&nbsp;
User experience has always been our drive to keep moving forward and upward. We'll amend the services of &lsquo;Easy Deposit&rsquo;, effective from 5 May 2023:
<ul>
<li>&bull; &nbsp; &nbsp;The single transaction limit for depositing money from Hang Seng Bank Ltd will be increased to HKD 10,000 from HKD 2,000. If you need to adjust the single transaction limit, please go to the icon on the top left of app homepage 🢂 'Linked bank account' 🢂 Unlink your existing account (if any) and then relink.</li>
<li>&bull; &nbsp; &nbsp;We'll remove Nanyang Commercial Bank, Limited from &ldquo;Easy Deposit&rdquo;. No worries, you can still add money via FPS. Remember that such change also applies to users who have previously linked their accounts with Nanyang Commercial Bank, Limited via &lsquo;Easy Deposit&rsquo;.&nbsp;</li>
</ul>
&nbsp;
In summary, you can deposit money from the following banks via &lsquo;Easy Deposit&rsquo; for free once the changes are effective:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/1b084990-adad-4bd4-aaad-5959f9418d31/a15e8e22-9f60-49fd-8dd0-c9a9c8fafc9a/image.png" width="700" height="411" />
&nbsp;
If you have any questions about our service update, please call our 24/7 customer service hotline on 3665 3665, or log in to the ZA Bank App to contact us. Thank you for your support!
&nbsp;
ZA Bank

Updates on ‘Easy Deposit’ (Effective from 5 May 2023)

&nbsp;Business Banking Tariff Update
We'd like to inform you that the revised <a href="https://bank.za.group/agreement/pdf/en_US/1001277">"Business Banking Tariff"</a> will take effect from 28 Apr 2023. The current fees and charges shall continue to apply to account opening applications received on or before 27 Apr 2023.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/68616625-73d1-44c2-bd15-2bcde56c49cf/b7d47020-0104-4829-8428-2321395cab46/image.png" />
If you have any questions, please feel free to contact the ZA Team at (852) 3665 3665.
ZA Bank

Business Banking Tariff Update

Updates on &lsquo;Easy Deposit&rsquo;
(Effective from 13 April 2023)
&nbsp;
User experience has always been our drive to keep moving forward and upward. We'll amend the services of &lsquo;Easy Deposit&rsquo;, effective from 13 Apr 2023:
<ul>
<li>&bull; &nbsp; &nbsp;The single transaction limit for depositing money from Bank of China (Hong Kong) will be increased to HKD 10,000 from HKD 5,000.</li>
<li>&bull; &nbsp; &nbsp;The single transaction limit for depositing money from The Hongkong and Shanghai Banking Corporation Limited will be increased to HKD 10,000 from HKD 2,000.</li>
<li>&bull; &nbsp; &nbsp;If you need to adjust the single transaction limit, please go to the icon on the top left of app homepage 🢂 'Linked bank account' 🢂 Unlink your existing account (if any) and then relink.</li>
</ul>
&nbsp;
In summary, you can deposit money from the following banks via &lsquo;Easy Deposit&rsquo; for free once the changes are effective:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/8ad1f181-413a-4f47-9e92-e2bd1f6a56e3/79d981f6-55c8-468a-a308-5dc552fb09d7/image.png" width="700" height="329" />
&nbsp;
If you have any questions about our service update, please call our 24/7 customer service hotline on 3665 3665, or log in to the ZA Bank App to contact us. Thank you for your support!
&nbsp;
ZA Bank

Updates on ‘Easy Deposit’ (Effective from 13 April 2023)

System Maintenance
&nbsp;
Due to system maintenance, the following loan-related services will not be available from 19:00 on Saturday, 15 April 2023 till 02:30 of the following day (Sunday, 16 April 2023). Customers may wish to make advance arrangements for their loan application and enquiries if necessary.
During system maintenance, customers may still deposit into their ZA Bank account for loan repayment purpose.
For enquiry, please contact our customer service at (852) 3665 3665 or in the ZA Bank App.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f925789f-4b40-4f54-bdd1-fe2d9683a220/d57e9979-b940-48bf-8b6f-e45c14750484/image.png" width="650" height="189" />

System Maintenance – 15 April 2023 (Saturday) 19:00 – 02:30 of the following day

Change to USD &amp; HKD Prime Rate
&nbsp;
Due to the recent increase in the USD Federal Funds Rate, we're revising our USD Prime Rate from 7.75% p.a. to 8.00% p.a. and HKD Prime Rate from 6.125% p.a. to 6.375% p.a. effective 3 Apr 2023 (Monday). Thank you for your support to ZA Bank.
ZA Bank

Change to USD & HKD Prime Rate

Notice of Amendment to the 'Fees and Charges Guide for Individual Customers'
(Effective from 30 April 2023 and 1 June 2023)
&nbsp;
We're updating the Fees and Charges Guide for Individual Customers ('Fees and Charges Guide'), which will be effective from 30 April 2023 and 1 June 2023. While this may sound like another boring update, please take a few minutes to carefully read through this notice to better protect your interests.
Amendments to the Fees and Charges Guide in relation to Services which will be effective from 30 April 2023 are listed below:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/38fb5482-995a-43fc-92d7-86edb04dc00f/06a95cb5-d218-4082-af83-c12c1fd8bf6e/image.png" width="800" height="842" />
&nbsp;
Amendment to the Fees and Charges Guide in relation to ZA Card Services which will be effective from 1 June 2023.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/38fb5482-995a-43fc-92d7-86edb04dc00f/6bf00de1-e402-460b-b412-790779623782/image.png" width="800" height="276" />
&nbsp;
Please note:
<ol>
<li>(1) the amendments will be binding on you if you do not stop using the Banking Service and Investment Fund Services before 30 April 2023.</li>
<li>(2) the amendments will be binding on you if you do not stop using the ZA Card Service before 1 June 2023.&nbsp;</li>
</ol>
&nbsp;
If you decline to accept the amendments, you have the right to stop using the products or services according to the relevant provisions under ZA Bank&rsquo;s General Account Terms and Conditions, Terms and Conditions for Investment Services, Outward Remittance Terms and Conditions and ZA Card Terms and Conditions before the above mentioned date.
For further assistance, please get in touch with us via ZA Bank App.
&nbsp;
ZA Bank

Notice of Amendment to the 'Fees and Charges Guide for Individual Customers' (Effective from 30 April 2023 and 1 June 2023)

Scheduled Maintenance
&nbsp;
We'll conduct a scheduled maintenance from 1:00 a.m. to 5:00 a.m. on 2 April 2023 (Sunday). During this period, there might be a short pause of the following fund transfer-related services. Customers may wish to make advanced arrangements for their payment activities or retry later if necessary.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/3f19f6da-aeee-4e4b-bec3-20edbfb6b6a9/20aa1d11-357b-4f08-a6c4-a33af6977f5d/image.png" width="750" height="247" />
&nbsp;
ZA Bank

Scheduled Maintenance – 2 Apr 2023 (Sunday) 1:00 a.m. – 5:00 a.m.

Scheduled Maintenance
&nbsp;
We'll conduct a scheduled maintenance from 1:00 a.m. to 5:00 a.m. on 19 March 2023 (Sunday). During this period, there might be a short pause of the following fund transfer-related services. Customers may wish to make advanced arrangements for their payment activities or retry later if necessary.
For enquiry, please contact our customer service team at (852) 3665 3665 or through the ZA Bank App.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/386673d5-ebf9-42b2-956b-549cf9428972/f58bcb6c-c50b-4a17-8e44-c00ae6b9b08d/image.png" width="815" height="277" />
&nbsp;
ZA Bank

Scheduled Maintenance – 19 Mar 2023 (Sunday) 1:00 a.m. – 5:00 a.m.

Updates on &lsquo;Easy Deposit&rsquo;
(Effective from 17 March 2023)
&nbsp;
User experience has always been our drive to keep moving forward and upward. We'll amend the services of &lsquo;Easy Deposit&rsquo;, effective from 17 Mar 2023:
<ul>
<li>&bull; &nbsp; &nbsp;The single transaction limit for depositing money from Bank of China (Hong Kong) will be increased to HKD 5,000 from HKD 2,000.</li>
<li>&bull; &nbsp; &nbsp;The single transaction limit for depositing money from CHINA CITIC BANK INTERNATIONAL LIMITED will be increased to HKD 10,000 from HKD 2,000.</li>
<li>&bull; &nbsp; &nbsp;If you need to adjust the single transaction limit, please go to the icon on the top left of app homepage 🢂 'Linked bank account' 🢂 Unlink your existing accounts (if any) and then relink.</li>
</ul>
&nbsp;
In summary, you can deposit money from the following banks via &lsquo;Easy Deposit&rsquo; for free once the changes are effective:
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/aee3655b-2b8d-416e-8415-67e29b8a4629/08515a90-82f8-41ad-9272-f62e878037b9/image.png" width="834" height="601" />
&nbsp;
If you have any questions about our service update, please call our 24/7 customer service hotline on 3665 3665, or log in to the ZA Bank App to contact us. Thank you for your support!
&nbsp;
ZA Bank &emsp;

Updates on ‘Easy Deposit’ (Effective from 17 Mar 2023)

Change to USD &amp; HKD Prime Rate
&nbsp;
Due to the recent increase in the USD Federal Funds Rate, we're revising our USD Prime Rate from 7.5% p.a. to 7.75% p.a. and HKD Prime Rate from 5.875% p.a. to 6.125% p.a. effective 24 Feb 2023 (Friday). Thank you for your support to ZA Bank.
ZA Bank

ZA Dash Scheduled Maintenance
Our ZA Dash service for business banking account online application will be affected from 8:00 p.m. to 10:00 p.m due to maintenance. Thank you for your understanding.&nbsp;
If you have any questions, please feel free to contact us at (852) 3665 3665.&nbsp;

ZA Dash Scheduled Maintenance

ZA Dash Scheduled Maintenance
Due the maintenance of the Companies Registry on 5 Feb 2023 (Sunday) from 7:00 a.m. to 5:00 p.m., our ZA Dash service for business banking account online application will be unavailable. Thanks for your understanding.
If you have any questions, please feel free to contact us at (852) 3665 3665.

Change of USD &amp; HKD Prime Rate
&nbsp;
Due to the recent increase in the USD Federal Funds Rate, we're revising our USD Prime Rate from 7% p.a. to 7.5% p.a. and HKD Prime Rate from 5.625% p.a. to 5.875% p.a. effective 5 Jan 2023 (Thursday). Thank you for your support to ZA Bank.
&nbsp;
ZA Bank

ZA Savings Go, Easy Deposit, 5 seconds recall, facial authentication,Create together, be different together

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!

Important Notices