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:
| Service | Existing Fees and Charges | New Fees and Charges |
| Return of all types of inward remittance | Waived | 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. |
| Return of all types of outward remittance | Waived | 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. |
| Global Transfer via SWIFT | Waived Please note that: 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. 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. |
HKD 70 per remittance |
| Insufficient balance handling fee | 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. | 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. |
You can download a PDF version of the updated Fees and Charges Guides via below links:
Fees and Charges Guide for Individual Customers (effective on 1 Nov 2026)
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.
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.
