Service 

 Existing Fees and Charges

New Fees and Charges

CHATS inward remittance

Waived (these fee items are collectively referred to as “CHATS inward / outward”)

Waived

CHATS outward remittance

Waived

SWIFT inward remittance

Waived (these fee items are collectively referred to as “inward remittance”)

Waived

FPS inward remittance

Waived

Payment Connect inward remittance

Waived

Return of all types of inward remittance^

Rename “Inward remittance - returned” to “Return of all types of inward remittance”

Outward remittance to other local bank accounts in Hong Kong
via SWIFT

Not applicable 

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). Please refer to the fee quote on the transaction page.
2) 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 Wise

Rename “Outward remittance” to “Global Transfer via Wise”

Global Transfer via SWIFT

Waived

Please note that:

1) Outward remittances processed via SWIFT may incur fees charged by other banks and related institutions (including correspondent banks, intermediary banks, settlement institutions, and/or the beneficiary bank) for handling the remittance. Such fees may be deducted directly from the remittance amount or debited from the customer’s account, and the actual charging method may not fully follow the customer’s original charging instruction.

2) If a remitter selects to bear the charges for outward remittances via SWIFT, ZA Bank is entitled to collect an upfront fee at the time of processing. The upfront amount is determined, without prior notice, by reference to the charging records of other banks and related institutions, and the display shown in the ZA Bank App when initiating the outward remittance shall prevail. The upfront amount is non-refundable. If the actual fees charged exceed the upfront amount, ZA Bank may recover the shortfall from the customer.

3) If the information provided in the remittance instructions is inaccurate, incomplete, or unclear, other banks and related institutions are entitled to charge additional fees for corrections or processing.

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.

FPS outward remittance

Not applicable

Waived

Payment Connect outward remittance

Not applicable

Waived 

Return of all types of outward remittance^

Not applicable

Waived

ATM cash withdrawal fee

Not applicable

If the total amount of cash withdrawal, including both local and overseas, exceeds the equivalent of HKD 80,000 within the same calendar month, a 1% fee will be charged on the excess amount.

Landlord Instalment Loan Handling Fee 

For 12-month tenor: Original principal * 5%;

For 24-month tenor: Original principal * 8%; and

The handling fee will be deducted from the loan disbursement amount.

An administrative fee of 0.5% - 6.5% of the loan amount is charged per annum based on the tenor. Upon successful drawdown of the loan, the total fee for the entire period will be deducted from the loan disbursement amount.