Rewards for HK Referrals
Reward 1: Up to HKD 50,000
Reward 1: Up to HKD 50,000
- The Programme runs in 5 consecutive phases. In each phase, the top 20 referrers1 with the most successful referrals can earn a cash reward of up to HKD 10,000!
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Reward 2: Up to HKD 10,000
Reward 2: Up to HKD 10,000
- During the programme period, invite a friend in HK (including both HK residents and visitors in HK) to successfully open a ZA Bank account. For each friend in Hong Kong who makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after account opening ("Deposit Requirements"), you can earn a HKD 50 cash reward!
Rewards for HK Referrals
Reward 1: Up to HKD 50,000
Reward 1: Up to HKD 50,000
- The Programme runs in 5 consecutive phases. In each phase, the top 20 referrers1 with the most successful referrals can earn a cash reward of up to HKD 10,000!
Reward 2: Up to HKD 10,000
Reward 2: Up to HKD 10,000
- During the programme period, invite a friend in HK (including both HK residents and visitors in HK) to successfully open a ZA Bank account. For each friend in Hong Kong who makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after account opening ("Deposit Requirements"), you can earn a HKD 50 cash reward!
Rewards for HK Referrals
Reward 1: Up to HKD 50,000
Reward 1: Up to HKD 50,000
- The Programme runs in 5 consecutive phases. In each phase, the top 20 referrers1 with the most successful referrals can earn a cash reward of up to HKD 10,000!
Reward 2: Up to HKD 10,000
Reward 2: Up to HKD 10,000
- During the programme period, invite a friend in HK (including both HK residents and visitors in HK) to successfully open a ZA Bank account. For each friend in Hong Kong who makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after account opening ("Deposit Requirements"), you can earn a HKD 50 cash reward!
Rewards for HK Referrals
Reward 1: Up to HKD 50,000
Reward 1: Up to HKD 50,000
- The Programme runs in 5 consecutive phases. In each phase, the top 20 referrers1 with the most successful referrals can earn a cash reward of up to HKD 10,000!
Reward 2: Up to HKD 10,000
Reward 2: Up to HKD 10,000
- During the programme period, invite a friend in HK (including both HK residents and visitors in HK) to successfully open a ZA Bank account. For each friend in Hong Kong who makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after account opening ("Deposit Requirements"), you can earn a HKD 50 cash reward!
The referrer can select the reward plan2
The referrer can select the reward plan2
Reward 3: Asset Achievement Rewards, up to HKD 10,000
Reward 3: Asset Achievement Rewards, up to HKD 10,000
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
During the programme period, invite a friend in HK to open a ZA Bank account. If they meet any of the following requirements on any day within 14 days after successful account opening and you can earn corresponding cash rewards:
1. End-of-day stock assets ≥ HKD 10,000 or its equivalent; or
2. End-of-day fund assets ≥ HKD 100,000 or its equivalent; or
3. End-of-day deposit balance ≥ HKD 200,000 or its equivalent.
1. End-of-day stock assets ≥ HKD 10,000 or its equivalent; or
2. End-of-day fund assets ≥ HKD 100,000 or its equivalent; or
3. End-of-day deposit balance ≥ HKD 200,000 or its equivalent.
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Reward 3: ZA Card Spending Achievement Rewards, up to HKD 10,000
Reward 3: ZA Card Spending Achievement Rewards, up to HKD 10,000
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Within 14 days after account opening, if your friends use a "StockBack x ZA Card" Chance4 from ZA Card spending (select one stock on the StockBack campaign page and it is not required to be a successful StockBack redemption), and you can earn the corresponding cash rewards.
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The referrer can select the reward plan2
The referrer can select the reward plan2
Reward 3: Asset Achievement Rewards, up to HKD 10,000
Reward 3: Asset Achievement Rewards, up to HKD 10,000
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
During the programme period, invite a friend in HK to open a ZA Bank account. If they meet any of the following requirements on any day within 14 days after successful account opening and you can earn corresponding cash rewards:
1. End-of-day stock assets ≥ HKD 10,000 or its equivalent; or
2. End-of-day fund assets ≥ HKD 100,000 or its equivalent; or
3. End-of-day deposit balance ≥ HKD 200,000 or its equivalent.
1. End-of-day stock assets ≥ HKD 10,000 or its equivalent; or
2. End-of-day fund assets ≥ HKD 100,000 or its equivalent; or
3. End-of-day deposit balance ≥ HKD 200,000 or its equivalent.
Reward 3: ZA Card Spending Achievement Rewards, up to HKD 10,000
Reward 3: ZA Card Spending Achievement Rewards, up to HKD 10,000
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Within 14 days after account opening, if your friends use a "StockBack x ZA Card" Chance4 from ZA Card spending (select one stock on the StockBack campaign page and it is not required to be a successful StockBack redemption), and you can earn the corresponding cash rewards.
The referrer can select the reward plan2
The referrer can select the reward plan2
The referrer can select the reward plan2
The referrer can select the reward plan2
Rewards for Referee in HK
Reward 1: Rewards worth HKD 2,000
Reward 1: Rewards worth HKD 2,000
- From now until 9 Sep 2026, once your friend in HK (including both HK residents and visitors in HK) successfully opens a ZA Bank savings account with your invitation code, your friend can get the rewards!
Reward 2: A 20% p.a. 7-day HKD time deposit rate
Reward 2: A 20% p.a. 7-day HKD time deposit rate
- Your friend can get a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon13 via ZA Quest14 within 7 days when they meet the deposit requirements15, and enjoy 20% p.a. 7-day HKD Time deposit rate in total combined with the basic interest rate!
Reward 3: Asset Achievement Rewards, a USD 30 stock offer
Reward 3: Asset Achievement Rewards, a USD 30 stock offer
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Note: When the effective reward plan for the referrer is Asset Achievement Reward Plan, the referee who successfully uses the invitation code to open a ZA Bank savings account will receive the above reward.
- Your friend can get a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon16 via ZA Quest14 within 7 days when they meet any of the following requirements3 on any day within 14 days after successful account opening, and maintain that requirement for 7 non-consecutive days within 30 days after account opening:
1. End-of-day stock assets ≥ HKD 10,000 or its equivalent; or
2. End-of-day fund assets ≥ HKD 100,000 or its equivalent; or
3. End-of-day deposit balance ≥ HKD 200,000 or its equivalent.
Rewards for Referee in HK
Reward 1: Rewards worth HKD 2,000
Reward 1: Rewards worth HKD 2,000
- From now until 9 Sep 2026, once your friend in HK (including both HK residents and visitors in HK) successfully opens a ZA Bank savings account with your invitation code, your friend can get the rewards!
Reward 2: A 20% p.a. 7-day HKD time deposit rate
Reward 2: A 20% p.a. 7-day HKD time deposit rate
- Your friend can get a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon13 via ZA Quest14 within 7 days when they meet the deposit requirements15, and enjoy 20% p.a. 7-day HKD Time deposit rate in total combined with the basic interest rate!
Reward 3: Asset Achievement Rewards, a USD 30 stock offer
Reward 3: Asset Achievement Rewards, a USD 30 stock offer
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Note: When the effective reward plan for the referrer is Asset Achievement Reward Plan, the referee who successfully uses the invitation code to open a ZA Bank savings account will receive the above reward.
- Your friend can get a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon16 via ZA Quest14 within 7 days when they meet any of the following requirements3 on any day within 14 days after successful account opening, and maintain that requirement for 7 non-consecutive days within 30 days after account opening:
1. End-of-day stock assets ≥ HKD 10,000 or its equivalent; or
2. End-of-day fund assets ≥ HKD 100,000 or its equivalent; or
3. End-of-day deposit balance ≥ HKD 200,000 or its equivalent.
Rewards for Referee in HK
Reward 1: Rewards worth HKD 2,000
Reward 1: Rewards worth HKD 2,000
- From now until 9 Sep 2026, once your friend in HK (including both HK residents and visitors in HK) successfully opens a ZA Bank savings account with your invitation code, your friend can get the rewards!
Reward 2: A 20% p.a. 7-day HKD time deposit rate
Reward 2: A 20% p.a. 7-day HKD time deposit rate
- Your friend can get a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon13 via ZA Quest14 within 7 days when they meet the deposit requirements15, and enjoy 20% p.a. 7-day HKD Time deposit rate in total combined with the basic interest rate!
Reward 3: Asset Achievement Rewards, a USD 30 stock offer
Reward 3: Asset Achievement Rewards, a USD 30 stock offer
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Note: When the effective reward plan for the referrer is Asset Achievement Reward Plan, the referee who successfully uses the invitation code to open a ZA Bank savings account will receive the above reward.
- Your friend can get a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon16 via ZA Quest14 within 7 days when they meet any of the following requirements3 on any day within 14 days after successful account opening, and maintain that requirement for 7 non-consecutive days within 30 days after account opening:
1. End-of-day stock assets ≥ HKD 10,000 or its equivalent; or
2. End-of-day fund assets ≥ HKD 100,000 or its equivalent; or
3. End-of-day deposit balance ≥ HKD 200,000 or its equivalent.
Rewards for Referee in HK
Reward 1: Rewards worth HKD 2,000
Reward 1: Rewards worth HKD 2,000
- From now until 9 Sep 2026, once your friend in HK (including both HK residents and visitors in HK) successfully opens a ZA Bank savings account with your invitation code, your friend can get the rewards!
Reward 2: A 20% p.a. 7-day HKD time deposit rate
Reward 2: A 20% p.a. 7-day HKD time deposit rate
- Your friend can get a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon13 via ZA Quest14 within 7 days when they meet the deposit requirements15, and enjoy 20% p.a. 7-day HKD Time deposit rate in total combined with the basic interest rate!
Reward 3: Asset Achievement Rewards, a USD 30 stock offer
Reward 3: Asset Achievement Rewards, a USD 30 stock offer
Note: If the referrer has already shared the invitation code, those who successfully use it after the reward plan is switched will receive rewards based on the latest plan.
Note: When the effective reward plan for the referrer is Asset Achievement Reward Plan, the referee who successfully uses the invitation code to open a ZA Bank savings account will receive the above reward.
- Your friend can get a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon16 via ZA Quest14 within 7 days when they meet any of the following requirements3 on any day within 14 days after successful account opening, and maintain that requirement for 7 non-consecutive days within 30 days after account opening:
1. End-of-day stock assets ≥ HKD 10,000 or its equivalent; or
2. End-of-day fund assets ≥ HKD 100,000 or its equivalent; or
3. End-of-day deposit balance ≥ HKD 200,000 or its equivalent.
How to invite friends?
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01.
Head to the ZA Bank App > tap [Explore] > tap [HK Referrals]
02.
Share the Invitation Code with your friends
03.
Your friends download the App and open an account with your Invitation Code
How to invite friends?
01.
Head to the ZA Bank App > tap [Explore] > tap [HK Referrals]
02.
Share the Invitation Code with your friends
03.
Your friends download the App and open an account with your Invitation Code
How to invite friends?
01.
Head to the ZA Bank App > tap [Explore] > tap [HK Referrals]
02.
Share the Invitation Code with your friends
03.
Your friends download the App and open an account with your Invitation Code
01.
Head to the ZA Bank App > tap [Explore] > tap [HK Referrals]
02.
Share the Invitation Code with your friends
03.
Your friends download the App and open an account with your Invitation Code
01.
Head to the ZA Bank App > tap [Explore] > tap [HK Referrals]
02.
Share the Invitation Code with your friends
03.
Your friends download the App and open an account with your Invitation Code
How to invite friends?
01.
Head to the ZA Bank App > tap [Explore] > tap [HK Referrals]
02.
Share the Invitation Code with your friends
03.
Your friends download the App and open an account with your Invitation Code
01.
Head to the ZA Bank App > tap [Explore] > tap [HK Referrals]
02.
Share the Invitation Code with your friends
03.
Your friends download the App and open an account with your Invitation Code
01.
Head to the ZA Bank App > tap [Explore] > tap [HK Referrals]
02.
Share the Invitation Code with your friends
03.
Your friends download the App and open an account with your Invitation Code
Why refer friends to open a ZA Bank account?
24x7 banking services
Deposit, transfer, or exchange your money and more at all times!
A licensed bank
The first digital bank in HK regulated by the same rules and operating standards as traditional banks
All-in-one banking services
Including transfer, deposit, ZA Card, loan, currency exchange, overseas remittance, insurance and investment!
Why refer friends to open a ZA Bank account?
24x7 banking services
Deposit, transfer, or exchange your money and more at all times!
A licensed bank
The first digital bank in HK regulated by the same rules and operating standards as traditional banks
All-in-one banking services
Including transfer, deposit, ZA Card, loan, currency exchange, overseas remittance, insurance and investment!
Why refer friends to open a ZA Bank account?
24x7 banking services
Deposit, transfer, or exchange your money and more at all times!
A licensed bank
The first digital bank in HK regulated by the same rules and operating standards as traditional banks
All-in-one banking services
Including transfer, deposit, ZA Card, loan, currency exchange, overseas remittance, insurance and investment!
Why refer friends to open a ZA Bank account?
24x7 banking services
Deposit, transfer, or exchange your money and more at all times!
A licensed bank
The first digital bank in HK regulated by the same rules and operating standards as traditional banks
All-in-one banking services
Including transfer, deposit, ZA Card, loan, currency exchange, overseas remittance, insurance and investment!
More Benefits
Invite friends to draw down a loan and you could earn a reward of up to HKD 900
Invite friends to draw down a loan and you could earn a reward of up to HKD 900
To borrow or not to borrow? Borrow only if you can repay!
Learn More
Open an account for welcome rewards worth HKD 2,000
Meet the deposit requirements to enjoy a 20% p.a. 7-day HKD time deposit rate
Learn More
Earn HKD 1,000 in spending rebates
Open an account successfully with the invitation code "ZA6688" and meet the specific requirements.
Learn More
Successfully open an account with the designated invitation code
Enjoy your exclusive rewards
View details
More Benefits
Invite friends to draw down a loan and you could earn a reward of up to HKD 900
Invite friends to draw down a loan and you could earn a reward of up to HKD 900
To borrow or not to borrow? Borrow only if you can repay!
Learn MoreOpen an account for welcome rewards worth HKD 2,000
Meet the deposit requirements to enjoy a 20% p.a. 7-day HKD time deposit rate
Learn MoreEarn HKD 1,000 in spending rebates
Open an account successfully with the invitation code "ZA6688" and meet the specific requirements.
Learn MoreSuccessfully open an account with the designated invitation code
Enjoy your exclusive rewards
View detailsMore Benefits
More Benefits
Member-Get-Member Programme ("MGM Programme") commences from 6 Aug 2026 to 9 Sep 2026, both dates inclusive ("Programme Period"). The referee must be the new customer of ZA Bank; and must have never opened any bank account with ZA Bank and held any product with ZA Bank (including but not limited to deposit account and loan account); and have successfully opened a savings account with ZA Bank with the Invitation Code. Referrers can receive corresponding referral rewards after meeting the specified requirements, while referees can receive corresponding rewards after fulfilling the specified requirements. The above rewards will be issued within 30 working days after the conditions are met. The programme is subject to its T&C.
1. The Referee in Hong Kong must use the Invitation Code during the Programme Period and successfully open a savings account for it to be considered Successful Referrals. The Successful Referrals will then be counted towards the Total Number of Successful Referrals for the corresponding phase based on the date of successful account opening. Each Referrer will be ranked based on their current Total Number of Successful Referrals of each phrase. Referrers with the same number of Total Number of Successful Referrals will be ranked according to the order of the time when the last Referee filled in the invitation code. Total Number of Successful Referrals of Each Referrer will be reset on the first day of each phase.
2. Select the reward plan: During the Programme Period, the Referrer may choose either the Asset Achievement Reward Plan or the ZA Card Spending Achievement Reward Plan, and may switch between the plans at any time. Upon each confirmed switch, the selected reward plan will take effect immediately from the time of switching. There is currently no limit on the number of times the reward plan can be switched. If the Referrer does not select a reward plan during the Programme Period, the Asset Achievement Reward Plan will apply by default. The reward plan selected by the Referrer, including the default plan, will only apply to Referees who, at that time, have not yet used the invitation code and have not opened an account. Once the Referee has used the invitation code, any subsequent changes to the reward plan by the Referrer will not affect the reward plan applicable to the Referee. For more details, please refer to the T&C.
3. Requirements include: (1) "End-of-day stock assets" ≥ HKD 10,000 or its equivalent, including the total assets of US stocks at 9:00 PM on the same day and the total assets of HK stocks at the end of the day; (2) "End-of-day fund assets" ≥ HKD 100,000 or its equivalent. "End-of-day fund assets": The total amount of funds at the end of the day (HKD equivalent); (3) "End-of-day deposit balance" ≥ HKD 200,000 or its equivalent. "End-of-day deposit balance": The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day (HKD equivalent). Referees can check in the Account page under ZA Bank App for details. All the relevant amounts shall be subject to the record of ZA Bank.
4. Participant is required to choose the “StockBack x ZA Card” rebate program before ZA Card spending. To borrow or not to borrow? Borrow only if you can repay! "StockBack x ZA Card" Chance is subject to its T&C.
5. "StockBack x ZA Card" Promotion: The promotion period is from 3 Nov 2025 to 31 Dec 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bankf from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its T&C.
6. "StockBack x ZA Card" Limited-time Promotion: The promotion is from 1 Feb 2026 to 31 Dec 2026, both dates inclusive. During the Promotion Period, for each StockBack Chance, the amount of the stock rebate selected by the Participant from the StockBack machine will be equivalent to 1.5% of the transaction amount. "StockBack x ZA Card" Limited-time Promotion is subject to its T&C.
7. StockBack × ZA Card New Member Welcome Gift Promotion: The promotion is from 13 Feb 2026 to 31 Dec 2026, both dates inclusive. During the promotion period, new customers, who have never opened any bank account with ZA Bank or held any product or service with ZA Bank (including, but not limited to, deposit accounts and loan accounts) shall be entitled to an extra 1% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after successful account opening (the day of account opening shall be deemed the first day), provided that such customers select the "StockBack x ZA Card". This offer can be used in conjunction with the limited-time offer of 1.5% stock rebate, which the new customers can get up to 2.5% stock rebate. StockBack × ZA Card New Member Welcome Gift Promotion is subject to its T&C.
8. For the "StockBack x ZA Card 0.5% stock rebate on every purchase", Referee shall be entitled to an extra 0.5% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after referee’s successful account opening (the day of account opening shall be deemed the first day) during the Programme period of MGM promotion, if StockBack x ZA Card”is selected. If a single eligible transaction exceeds the remaining rewardable transaction amount, the entire eligible transaction will not give an extra 0.5% stock rebate. This offer can be used in conjunction with the“StockBack x ZA Card”Limited-time Promotion of 1.5% stock rebate and StockBack × ZA Card New Member Welcome Gift Promotion of 1% stock rebate, in which new users fulfilling the conditions of MGM promotion can get up to 3% stock rebate. For more details about StockBack x ZA Card 0.5% stock rebate on every purchase, please refer to the T&C.
9. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.
10. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.
11. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
12. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
13. The referee must go to ZA Quest to claim a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon within 7 days after meeting the specified requirements. The coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimum new funds deposit amount of HKD 1. The coupon is valid within 7 days after receipt. For more details about the New Funds Rate-up Coupon, please refer to the T&C.
14. ZA Quest is subject to its T&C.
15. Deposit Requirements: During the Programme Period, the Referee opens a ZA Bank savings account in Hong Kong using the Invitation Code, and makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after successful account opening (with the day after account opening counted as the first day).
16. The referee must go to ZA Quest to claim a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon. The Coupon is valid within 30 days after receipt. For more details about the Designated US Stock Redemption Coupon, please refer to the T&C.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!
ZA Bank Limited (“ZA Bank”) is regulated and authorized to conduct banking business and regulated activities in the Hong Kong SAR of the PRC (“Hong Kong”). The laws and regulations of Hong Kong regulate ZA Bank. It provides products and services for Hong Kong residents and visitors to Hong Kong to meet users’ real financial needs, such as consumption and financial management in Hong Kong. ZA Bank provides account opening services to people with valid identity documents in Hong Kong. When applying for a ZA Bank account, the customer must be physically located in the central area of Hong Kong. This material can only be distributed or disseminated in Hong Kong. You are not allowed to copy, distribute, or transmit outside Hong Kong without prior consent from ZA Bank. ZA Bank does not intend to provide any product or service to any person in any jurisdiction, country, or territory where the Bank is restricted or not authorized by law or regulation to carry on banking business. If you are not located in Hong Kong, we may not be allowed to provide products and services through our applications or websites in your country or region where you are located or domiciled.
Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar).
The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time. Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
1. The Referee in Hong Kong must use the Invitation Code during the Programme Period and successfully open a savings account for it to be considered Successful Referrals. The Successful Referrals will then be counted towards the Total Number of Successful Referrals for the corresponding phase based on the date of successful account opening. Each Referrer will be ranked based on their current Total Number of Successful Referrals of each phrase. Referrers with the same number of Total Number of Successful Referrals will be ranked according to the order of the time when the last Referee filled in the invitation code. Total Number of Successful Referrals of Each Referrer will be reset on the first day of each phase.
2. Select the reward plan: During the Programme Period, the Referrer may choose either the Asset Achievement Reward Plan or the ZA Card Spending Achievement Reward Plan, and may switch between the plans at any time. Upon each confirmed switch, the selected reward plan will take effect immediately from the time of switching. There is currently no limit on the number of times the reward plan can be switched. If the Referrer does not select a reward plan during the Programme Period, the Asset Achievement Reward Plan will apply by default. The reward plan selected by the Referrer, including the default plan, will only apply to Referees who, at that time, have not yet used the invitation code and have not opened an account. Once the Referee has used the invitation code, any subsequent changes to the reward plan by the Referrer will not affect the reward plan applicable to the Referee. For more details, please refer to the T&C.
3. Requirements include: (1) "End-of-day stock assets" ≥ HKD 10,000 or its equivalent, including the total assets of US stocks at 9:00 PM on the same day and the total assets of HK stocks at the end of the day; (2) "End-of-day fund assets" ≥ HKD 100,000 or its equivalent. "End-of-day fund assets": The total amount of funds at the end of the day (HKD equivalent); (3) "End-of-day deposit balance" ≥ HKD 200,000 or its equivalent. "End-of-day deposit balance": The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day (HKD equivalent). Referees can check in the Account page under ZA Bank App for details. All the relevant amounts shall be subject to the record of ZA Bank.
4. Participant is required to choose the “StockBack x ZA Card” rebate program before ZA Card spending. To borrow or not to borrow? Borrow only if you can repay! "StockBack x ZA Card" Chance is subject to its T&C.
5. "StockBack x ZA Card" Promotion: The promotion period is from 3 Nov 2025 to 31 Dec 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bankf from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its T&C.
6. "StockBack x ZA Card" Limited-time Promotion: The promotion is from 1 Feb 2026 to 31 Dec 2026, both dates inclusive. During the Promotion Period, for each StockBack Chance, the amount of the stock rebate selected by the Participant from the StockBack machine will be equivalent to 1.5% of the transaction amount. "StockBack x ZA Card" Limited-time Promotion is subject to its T&C.
7. StockBack × ZA Card New Member Welcome Gift Promotion: The promotion is from 13 Feb 2026 to 31 Dec 2026, both dates inclusive. During the promotion period, new customers, who have never opened any bank account with ZA Bank or held any product or service with ZA Bank (including, but not limited to, deposit accounts and loan accounts) shall be entitled to an extra 1% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after successful account opening (the day of account opening shall be deemed the first day), provided that such customers select the "StockBack x ZA Card". This offer can be used in conjunction with the limited-time offer of 1.5% stock rebate, which the new customers can get up to 2.5% stock rebate. StockBack × ZA Card New Member Welcome Gift Promotion is subject to its T&C.
8. For the "StockBack x ZA Card 0.5% stock rebate on every purchase", Referee shall be entitled to an extra 0.5% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after referee’s successful account opening (the day of account opening shall be deemed the first day) during the Programme period of MGM promotion, if StockBack x ZA Card”is selected. If a single eligible transaction exceeds the remaining rewardable transaction amount, the entire eligible transaction will not give an extra 0.5% stock rebate. This offer can be used in conjunction with the“StockBack x ZA Card”Limited-time Promotion of 1.5% stock rebate and StockBack × ZA Card New Member Welcome Gift Promotion of 1% stock rebate, in which new users fulfilling the conditions of MGM promotion can get up to 3% stock rebate. For more details about StockBack x ZA Card 0.5% stock rebate on every purchase, please refer to the T&C.
9. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.
10. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.
11. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
12. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
13. The referee must go to ZA Quest to claim a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon within 7 days after meeting the specified requirements. The coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimum new funds deposit amount of HKD 1. The coupon is valid within 7 days after receipt. For more details about the New Funds Rate-up Coupon, please refer to the T&C.
14. ZA Quest is subject to its T&C.
15. Deposit Requirements: During the Programme Period, the Referee opens a ZA Bank savings account in Hong Kong using the Invitation Code, and makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after successful account opening (with the day after account opening counted as the first day).
16. The referee must go to ZA Quest to claim a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon. The Coupon is valid within 30 days after receipt. For more details about the Designated US Stock Redemption Coupon, please refer to the T&C.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!
ZA Bank Limited (“ZA Bank”) is regulated and authorized to conduct banking business and regulated activities in the Hong Kong SAR of the PRC (“Hong Kong”). The laws and regulations of Hong Kong regulate ZA Bank. It provides products and services for Hong Kong residents and visitors to Hong Kong to meet users’ real financial needs, such as consumption and financial management in Hong Kong. ZA Bank provides account opening services to people with valid identity documents in Hong Kong. When applying for a ZA Bank account, the customer must be physically located in the central area of Hong Kong. This material can only be distributed or disseminated in Hong Kong. You are not allowed to copy, distribute, or transmit outside Hong Kong without prior consent from ZA Bank. ZA Bank does not intend to provide any product or service to any person in any jurisdiction, country, or territory where the Bank is restricted or not authorized by law or regulation to carry on banking business. If you are not located in Hong Kong, we may not be allowed to provide products and services through our applications or websites in your country or region where you are located or domiciled.
Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar).
The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time. Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
Member-Get-Member Programme ("MGM Programme") commences from 6 Aug 2026 to 9 Sep 2026, both dates inclusive ("Programme Period"). The referee must be the new customer of ZA Bank; and must have never opened any bank account with ZA Bank and held any product with ZA Bank (including but not limited to deposit account and loan account); and have successfully opened a savings account with ZA Bank with the Invitation Code. Referrers can receive corresponding referral rewards after meeting the specified requirements, while referees can receive corresponding rewards after fulfilling the specified requirements. The above rewards will be issued within 30 working days after the conditions are met. The programme is subject to its T&C.
1. The Referee in Hong Kong must use the Invitation Code during the Programme Period and successfully open a savings account for it to be considered Successful Referrals. The Successful Referrals will then be counted towards the Total Number of Successful Referrals for the corresponding phase based on the date of successful account opening. Each Referrer will be ranked based on their current Total Number of Successful Referrals of each phrase. Referrers with the same number of Total Number of Successful Referrals will be ranked according to the order of the time when the last Referee filled in the invitation code. Total Number of Successful Referrals of Each Referrer will be reset on the first day of each phase.
2. Select the reward plan: During the Programme Period, the Referrer may choose either the Asset Achievement Reward Plan or the ZA Card Spending Achievement Reward Plan, and may switch between the plans at any time. Upon each confirmed switch, the selected reward plan will take effect immediately from the time of switching. There is currently no limit on the number of times the reward plan can be switched. If the Referrer does not select a reward plan during the Programme Period, the Asset Achievement Reward Plan will apply by default. The reward plan selected by the Referrer, including the default plan, will only apply to Referees who, at that time, have not yet used the invitation code and have not opened an account. Once the Referee has used the invitation code, any subsequent changes to the reward plan by the Referrer will not affect the reward plan applicable to the Referee. For more details, please refer to the T&C.
3. Requirements include: (1) "End-of-day stock assets" ≥ HKD 10,000 or its equivalent, including the total assets of US stocks at 9:00 PM on the same day and the total assets of HK stocks at the end of the day; (2) "End-of-day fund assets" ≥ HKD 100,000 or its equivalent. "End-of-day fund assets": The total amount of funds at the end of the day (HKD equivalent); (3) "End-of-day deposit balance" ≥ HKD 200,000 or its equivalent. "End-of-day deposit balance": The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day (HKD equivalent). Referees can check in the Account page under ZA Bank App for details. All the relevant amounts shall be subject to the record of ZA Bank.
4. Participant is required to choose the “StockBack x ZA Card” rebate program before ZA Card spending. To borrow or not to borrow? Borrow only if you can repay! "StockBack x ZA Card" Chance is subject to its T&C.
5. "StockBack x ZA Card" Promotion: The promotion period is from 3 Nov 2025 to 31 Dec 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bankf from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its T&C.
6. "StockBack x ZA Card" Limited-time Promotion: The promotion is from 1 Feb 2026 to 31 Dec 2026, both dates inclusive. During the Promotion Period, for each StockBack Chance, the amount of the stock rebate selected by the Participant from the StockBack machine will be equivalent to 1.5% of the transaction amount. "StockBack x ZA Card" Limited-time Promotion is subject to its T&C.
7. StockBack × ZA Card New Member Welcome Gift Promotion: The promotion is from 13 Feb 2026 to 31 Dec 2026, both dates inclusive. During the promotion period, new customers, who have never opened any bank account with ZA Bank or held any product or service with ZA Bank (including, but not limited to, deposit accounts and loan accounts) shall be entitled to an extra 1% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after successful account opening (the day of account opening shall be deemed the first day), provided that such customers select the "StockBack x ZA Card". This offer can be used in conjunction with the limited-time offer of 1.5% stock rebate, which the new customers can get up to 2.5% stock rebate. StockBack × ZA Card New Member Welcome Gift Promotion is subject to its T&C.
8. For the "StockBack x ZA Card 0.5% stock rebate on every purchase", Referee shall be entitled to an extra 0.5% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after referee’s successful account opening (the day of account opening shall be deemed the first day) during the Programme period of MGM promotion, if StockBack x ZA Card”is selected. If a single eligible transaction exceeds the remaining rewardable transaction amount, the entire eligible transaction will not give an extra 0.5% stock rebate. This offer can be used in conjunction with the“StockBack x ZA Card”Limited-time Promotion of 1.5% stock rebate and StockBack × ZA Card New Member Welcome Gift Promotion of 1% stock rebate, in which new users fulfilling the conditions of MGM promotion can get up to 3% stock rebate. For more details about StockBack x ZA Card 0.5% stock rebate on every purchase, please refer to the T&C.
9. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.
10. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.
11. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
12. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
13. The referee must go to ZA Quest to claim a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon within 7 days after meeting the specified requirements. The coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimum new funds deposit amount of HKD 1. The coupon is valid within 7 days after receipt. For more details about the New Funds Rate-up Coupon, please refer to the T&C.
14. ZA Quest is subject to its T&C.
15. Deposit Requirements: During the Programme Period, the Referee opens a ZA Bank savings account in Hong Kong using the Invitation Code, and makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after successful account opening (with the day after account opening counted as the first day).
16. The referee must go to ZA Quest to claim a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon. The Coupon is valid within 30 days after receipt. For more details about the Designated US Stock Redemption Coupon, please refer to the T&C.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!
ZA Bank Limited (“ZA Bank”) is regulated and authorized to conduct banking business and regulated activities in the Hong Kong SAR of the PRC (“Hong Kong”). The laws and regulations of Hong Kong regulate ZA Bank. It provides products and services for Hong Kong residents and visitors to Hong Kong to meet users’ real financial needs, such as consumption and financial management in Hong Kong. ZA Bank provides account opening services to people with valid identity documents in Hong Kong. When applying for a ZA Bank account, the customer must be physically located in the central area of Hong Kong. This material can only be distributed or disseminated in Hong Kong. You are not allowed to copy, distribute, or transmit outside Hong Kong without prior consent from ZA Bank. ZA Bank does not intend to provide any product or service to any person in any jurisdiction, country, or territory where the Bank is restricted or not authorized by law or regulation to carry on banking business. If you are not located in Hong Kong, we may not be allowed to provide products and services through our applications or websites in your country or region where you are located or domiciled.
Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar).
The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time. Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
1. The Referee in Hong Kong must use the Invitation Code during the Programme Period and successfully open a savings account for it to be considered Successful Referrals. The Successful Referrals will then be counted towards the Total Number of Successful Referrals for the corresponding phase based on the date of successful account opening. Each Referrer will be ranked based on their current Total Number of Successful Referrals of each phrase. Referrers with the same number of Total Number of Successful Referrals will be ranked according to the order of the time when the last Referee filled in the invitation code. Total Number of Successful Referrals of Each Referrer will be reset on the first day of each phase.
2. Select the reward plan: During the Programme Period, the Referrer may choose either the Asset Achievement Reward Plan or the ZA Card Spending Achievement Reward Plan, and may switch between the plans at any time. Upon each confirmed switch, the selected reward plan will take effect immediately from the time of switching. There is currently no limit on the number of times the reward plan can be switched. If the Referrer does not select a reward plan during the Programme Period, the Asset Achievement Reward Plan will apply by default. The reward plan selected by the Referrer, including the default plan, will only apply to Referees who, at that time, have not yet used the invitation code and have not opened an account. Once the Referee has used the invitation code, any subsequent changes to the reward plan by the Referrer will not affect the reward plan applicable to the Referee. For more details, please refer to the T&C.
3. Requirements include: (1) "End-of-day stock assets" ≥ HKD 10,000 or its equivalent, including the total assets of US stocks at 9:00 PM on the same day and the total assets of HK stocks at the end of the day; (2) "End-of-day fund assets" ≥ HKD 100,000 or its equivalent. "End-of-day fund assets": The total amount of funds at the end of the day (HKD equivalent); (3) "End-of-day deposit balance" ≥ HKD 200,000 or its equivalent. "End-of-day deposit balance": The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day (HKD equivalent). Referees can check in the Account page under ZA Bank App for details. All the relevant amounts shall be subject to the record of ZA Bank.
4. Participant is required to choose the “StockBack x ZA Card” rebate program before ZA Card spending. To borrow or not to borrow? Borrow only if you can repay! "StockBack x ZA Card" Chance is subject to its T&C.
5. "StockBack x ZA Card" Promotion: The promotion period is from 3 Nov 2025 to 31 Dec 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bankf from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its T&C.
6. "StockBack x ZA Card" Limited-time Promotion: The promotion is from 1 Feb 2026 to 31 Dec 2026, both dates inclusive. During the Promotion Period, for each StockBack Chance, the amount of the stock rebate selected by the Participant from the StockBack machine will be equivalent to 1.5% of the transaction amount. "StockBack x ZA Card" Limited-time Promotion is subject to its T&C.
7. StockBack × ZA Card New Member Welcome Gift Promotion: The promotion is from 13 Feb 2026 to 31 Dec 2026, both dates inclusive. During the promotion period, new customers, who have never opened any bank account with ZA Bank or held any product or service with ZA Bank (including, but not limited to, deposit accounts and loan accounts) shall be entitled to an extra 1% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after successful account opening (the day of account opening shall be deemed the first day), provided that such customers select the "StockBack x ZA Card". This offer can be used in conjunction with the limited-time offer of 1.5% stock rebate, which the new customers can get up to 2.5% stock rebate. StockBack × ZA Card New Member Welcome Gift Promotion is subject to its T&C.
8. For the "StockBack x ZA Card 0.5% stock rebate on every purchase", Referee shall be entitled to an extra 0.5% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after referee’s successful account opening (the day of account opening shall be deemed the first day) during the Programme period of MGM promotion, if StockBack x ZA Card”is selected. If a single eligible transaction exceeds the remaining rewardable transaction amount, the entire eligible transaction will not give an extra 0.5% stock rebate. This offer can be used in conjunction with the“StockBack x ZA Card”Limited-time Promotion of 1.5% stock rebate and StockBack × ZA Card New Member Welcome Gift Promotion of 1% stock rebate, in which new users fulfilling the conditions of MGM promotion can get up to 3% stock rebate. For more details about StockBack x ZA Card 0.5% stock rebate on every purchase, please refer to the T&C.
9. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.
10. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.
11. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
12. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
13. The referee must go to ZA Quest to claim a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon within 7 days after meeting the specified requirements. The coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimum new funds deposit amount of HKD 1. The coupon is valid within 7 days after receipt. For more details about the New Funds Rate-up Coupon, please refer to the T&C.
14. ZA Quest is subject to its T&C.
15. Deposit Requirements: During the Programme Period, the Referee opens a ZA Bank savings account in Hong Kong using the Invitation Code, and makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after successful account opening (with the day after account opening counted as the first day).
16. The referee must go to ZA Quest to claim a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon. The Coupon is valid within 30 days after receipt. For more details about the Designated US Stock Redemption Coupon, please refer to the T&C.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!
ZA Bank Limited (“ZA Bank”) is regulated and authorized to conduct banking business and regulated activities in the Hong Kong SAR of the PRC (“Hong Kong”). The laws and regulations of Hong Kong regulate ZA Bank. It provides products and services for Hong Kong residents and visitors to Hong Kong to meet users’ real financial needs, such as consumption and financial management in Hong Kong. ZA Bank provides account opening services to people with valid identity documents in Hong Kong. When applying for a ZA Bank account, the customer must be physically located in the central area of Hong Kong. This material can only be distributed or disseminated in Hong Kong. You are not allowed to copy, distribute, or transmit outside Hong Kong without prior consent from ZA Bank. ZA Bank does not intend to provide any product or service to any person in any jurisdiction, country, or territory where the Bank is restricted or not authorized by law or regulation to carry on banking business. If you are not located in Hong Kong, we may not be allowed to provide products and services through our applications or websites in your country or region where you are located or domiciled.
Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar).
The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time. Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
Member-Get-Member Programme ("MGM Programme") commences from 6 Aug 2026 to 9 Sep 2026, both dates inclusive ("Programme Period"). The referee must be the new customer of ZA Bank; and must have never opened any bank account with ZA Bank and held any product with ZA Bank (including but not limited to deposit account and loan account); and have successfully opened a savings account with ZA Bank with the Invitation Code. Referrers can receive corresponding referral rewards after meeting the specified requirements, while referees can receive corresponding rewards after fulfilling the specified requirements. The above rewards will be issued within 30 working days after the conditions are met. The programme is subject to its T&C.
1. The Referee in Hong Kong must use the Invitation Code during the Programme Period and successfully open a savings account for it to be considered Successful Referrals. The Successful Referrals will then be counted towards the Total Number of Successful Referrals for the corresponding phase based on the date of successful account opening. Each Referrer will be ranked based on their current Total Number of Successful Referrals of each phrase. Referrers with the same number of Total Number of Successful Referrals will be ranked according to the order of the time when the last Referee filled in the invitation code. Total Number of Successful Referrals of Each Referrer will be reset on the first day of each phase.
2. Select the reward plan: During the Programme Period, the Referrer may choose either the Asset Achievement Reward Plan or the ZA Card Spending Achievement Reward Plan, and may switch between the plans at any time. Upon each confirmed switch, the selected reward plan will take effect immediately from the time of switching. There is currently no limit on the number of times the reward plan can be switched. If the Referrer does not select a reward plan during the Programme Period, the Asset Achievement Reward Plan will apply by default. The reward plan selected by the Referrer, including the default plan, will only apply to Referees who, at that time, have not yet used the invitation code and have not opened an account. Once the Referee has used the invitation code, any subsequent changes to the reward plan by the Referrer will not affect the reward plan applicable to the Referee. For more details, please refer to the T&C.
3. Requirements include: (1) "End-of-day stock assets" ≥ HKD 10,000 or its equivalent, including the total assets of US stocks at 9:00 PM on the same day and the total assets of HK stocks at the end of the day; (2) "End-of-day fund assets" ≥ HKD 100,000 or its equivalent. "End-of-day fund assets": The total amount of funds at the end of the day (HKD equivalent); (3) "End-of-day deposit balance" ≥ HKD 200,000 or its equivalent. "End-of-day deposit balance": The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day (HKD equivalent). Referees can check in the Account page under ZA Bank App for details. All the relevant amounts shall be subject to the record of ZA Bank.
4. Participant is required to choose the “StockBack x ZA Card” rebate program before ZA Card spending. To borrow or not to borrow? Borrow only if you can repay! "StockBack x ZA Card" Chance is subject to its T&C.
5. "StockBack x ZA Card" Promotion: The promotion period is from 3 Nov 2025 to 31 Dec 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bankf from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its T&C.
6. "StockBack x ZA Card" Limited-time Promotion: The promotion is from 1 Feb 2026 to 31 Dec 2026, both dates inclusive. During the Promotion Period, for each StockBack Chance, the amount of the stock rebate selected by the Participant from the StockBack machine will be equivalent to 1.5% of the transaction amount. "StockBack x ZA Card" Limited-time Promotion is subject to its T&C.
7. StockBack × ZA Card New Member Welcome Gift Promotion: The promotion is from 13 Feb 2026 to 31 Dec 2026, both dates inclusive. During the promotion period, new customers, who have never opened any bank account with ZA Bank or held any product or service with ZA Bank (including, but not limited to, deposit accounts and loan accounts) shall be entitled to an extra 1% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after successful account opening (the day of account opening shall be deemed the first day), provided that such customers select the "StockBack x ZA Card". This offer can be used in conjunction with the limited-time offer of 1.5% stock rebate, which the new customers can get up to 2.5% stock rebate. StockBack × ZA Card New Member Welcome Gift Promotion is subject to its T&C.
8. For the "StockBack x ZA Card 0.5% stock rebate on every purchase", Referee shall be entitled to an extra 0.5% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after referee’s successful account opening (the day of account opening shall be deemed the first day) during the Programme period of MGM promotion, if StockBack x ZA Card”is selected. If a single eligible transaction exceeds the remaining rewardable transaction amount, the entire eligible transaction will not give an extra 0.5% stock rebate. This offer can be used in conjunction with the“StockBack x ZA Card”Limited-time Promotion of 1.5% stock rebate and StockBack × ZA Card New Member Welcome Gift Promotion of 1% stock rebate, in which new users fulfilling the conditions of MGM promotion can get up to 3% stock rebate. For more details about StockBack x ZA Card 0.5% stock rebate on every purchase, please refer to the T&C.
9. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.
10. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.
11. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
12. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
13. The referee must go to ZA Quest to claim a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon within 7 days after meeting the specified requirements. The coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimum new funds deposit amount of HKD 1. The coupon is valid within 7 days after receipt. For more details about the New Funds Rate-up Coupon, please refer to the T&C.
14. ZA Quest is subject to its T&C.
15. Deposit Requirements: During the Programme Period, the Referee opens a ZA Bank savings account in Hong Kong using the Invitation Code, and makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after successful account opening (with the day after account opening counted as the first day).
16. The referee must go to ZA Quest to claim a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon. The Coupon is valid within 30 days after receipt. For more details about the Designated US Stock Redemption Coupon, please refer to the T&C.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!
ZA Bank Limited (“ZA Bank”) is regulated and authorized to conduct banking business and regulated activities in the Hong Kong SAR of the PRC (“Hong Kong”). The laws and regulations of Hong Kong regulate ZA Bank. It provides products and services for Hong Kong residents and visitors to Hong Kong to meet users’ real financial needs, such as consumption and financial management in Hong Kong. ZA Bank provides account opening services to people with valid identity documents in Hong Kong. When applying for a ZA Bank account, the customer must be physically located in the central area of Hong Kong. This material can only be distributed or disseminated in Hong Kong. You are not allowed to copy, distribute, or transmit outside Hong Kong without prior consent from ZA Bank. ZA Bank does not intend to provide any product or service to any person in any jurisdiction, country, or territory where the Bank is restricted or not authorized by law or regulation to carry on banking business. If you are not located in Hong Kong, we may not be allowed to provide products and services through our applications or websites in your country or region where you are located or domiciled.
Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar).
The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time. Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
1. The Referee in Hong Kong must use the Invitation Code during the Programme Period and successfully open a savings account for it to be considered Successful Referrals. The Successful Referrals will then be counted towards the Total Number of Successful Referrals for the corresponding phase based on the date of successful account opening. Each Referrer will be ranked based on their current Total Number of Successful Referrals of each phrase. Referrers with the same number of Total Number of Successful Referrals will be ranked according to the order of the time when the last Referee filled in the invitation code. Total Number of Successful Referrals of Each Referrer will be reset on the first day of each phase.
2. Select the reward plan: During the Programme Period, the Referrer may choose either the Asset Achievement Reward Plan or the ZA Card Spending Achievement Reward Plan, and may switch between the plans at any time. Upon each confirmed switch, the selected reward plan will take effect immediately from the time of switching. There is currently no limit on the number of times the reward plan can be switched. If the Referrer does not select a reward plan during the Programme Period, the Asset Achievement Reward Plan will apply by default. The reward plan selected by the Referrer, including the default plan, will only apply to Referees who, at that time, have not yet used the invitation code and have not opened an account. Once the Referee has used the invitation code, any subsequent changes to the reward plan by the Referrer will not affect the reward plan applicable to the Referee. For more details, please refer to the T&C.
3. Requirements include: (1) "End-of-day stock assets" ≥ HKD 10,000 or its equivalent, including the total assets of US stocks at 9:00 PM on the same day and the total assets of HK stocks at the end of the day; (2) "End-of-day fund assets" ≥ HKD 100,000 or its equivalent. "End-of-day fund assets": The total amount of funds at the end of the day (HKD equivalent); (3) "End-of-day deposit balance" ≥ HKD 200,000 or its equivalent. "End-of-day deposit balance": The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day (HKD equivalent). Referees can check in the Account page under ZA Bank App for details. All the relevant amounts shall be subject to the record of ZA Bank.
4. Participant is required to choose the “StockBack x ZA Card” rebate program before ZA Card spending. To borrow or not to borrow? Borrow only if you can repay! "StockBack x ZA Card" Chance is subject to its T&C.
5. "StockBack x ZA Card" Promotion: The promotion period is from 3 Nov 2025 to 31 Dec 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bankf from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its T&C.
6. "StockBack x ZA Card" Limited-time Promotion: The promotion is from 1 Feb 2026 to 31 Dec 2026, both dates inclusive. During the Promotion Period, for each StockBack Chance, the amount of the stock rebate selected by the Participant from the StockBack machine will be equivalent to 1.5% of the transaction amount. "StockBack x ZA Card" Limited-time Promotion is subject to its T&C.
7. StockBack × ZA Card New Member Welcome Gift Promotion: The promotion is from 13 Feb 2026 to 31 Dec 2026, both dates inclusive. During the promotion period, new customers, who have never opened any bank account with ZA Bank or held any product or service with ZA Bank (including, but not limited to, deposit accounts and loan accounts) shall be entitled to an extra 1% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after successful account opening (the day of account opening shall be deemed the first day), provided that such customers select the "StockBack x ZA Card". This offer can be used in conjunction with the limited-time offer of 1.5% stock rebate, which the new customers can get up to 2.5% stock rebate. StockBack × ZA Card New Member Welcome Gift Promotion is subject to its T&C.
8. For the "StockBack x ZA Card 0.5% stock rebate on every purchase", Referee shall be entitled to an extra 0.5% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after referee’s successful account opening (the day of account opening shall be deemed the first day) during the Programme period of MGM promotion, if StockBack x ZA Card”is selected. If a single eligible transaction exceeds the remaining rewardable transaction amount, the entire eligible transaction will not give an extra 0.5% stock rebate. This offer can be used in conjunction with the“StockBack x ZA Card”Limited-time Promotion of 1.5% stock rebate and StockBack × ZA Card New Member Welcome Gift Promotion of 1% stock rebate, in which new users fulfilling the conditions of MGM promotion can get up to 3% stock rebate. For more details about StockBack x ZA Card 0.5% stock rebate on every purchase, please refer to the T&C.
9. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.
10. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.
11. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
12. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
13. The referee must go to ZA Quest to claim a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon within 7 days after meeting the specified requirements. The coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimum new funds deposit amount of HKD 1. The coupon is valid within 7 days after receipt. For more details about the New Funds Rate-up Coupon, please refer to the T&C.
14. ZA Quest is subject to its T&C.
15. Deposit Requirements: During the Programme Period, the Referee opens a ZA Bank savings account in Hong Kong using the Invitation Code, and makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after successful account opening (with the day after account opening counted as the first day).
16. The referee must go to ZA Quest to claim a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon. The Coupon is valid within 30 days after receipt. For more details about the Designated US Stock Redemption Coupon, please refer to the T&C.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!
ZA Bank Limited (“ZA Bank”) is regulated and authorized to conduct banking business and regulated activities in the Hong Kong SAR of the PRC (“Hong Kong”). The laws and regulations of Hong Kong regulate ZA Bank. It provides products and services for Hong Kong residents and visitors to Hong Kong to meet users’ real financial needs, such as consumption and financial management in Hong Kong. ZA Bank provides account opening services to people with valid identity documents in Hong Kong. When applying for a ZA Bank account, the customer must be physically located in the central area of Hong Kong. This material can only be distributed or disseminated in Hong Kong. You are not allowed to copy, distribute, or transmit outside Hong Kong without prior consent from ZA Bank. ZA Bank does not intend to provide any product or service to any person in any jurisdiction, country, or territory where the Bank is restricted or not authorized by law or regulation to carry on banking business. If you are not located in Hong Kong, we may not be allowed to provide products and services through our applications or websites in your country or region where you are located or domiciled.
Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar).
The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time. Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
Member-Get-Member Programme ("MGM Programme") commences from 6 Aug 2026 to 9 Sep 2026, both dates inclusive ("Programme Period"). The referee must be the new customer of ZA Bank; and must have never opened any bank account with ZA Bank and held any product with ZA Bank (including but not limited to deposit account and loan account); and have successfully opened a savings account with ZA Bank with the Invitation Code. Referrers can receive corresponding referral rewards after meeting the specified requirements, while referees can receive corresponding rewards after fulfilling the specified requirements. The above rewards will be issued within 30 working days after the conditions are met. The programme is subject to its T&C.
1. The Referee in Hong Kong must use the Invitation Code during the Programme Period and successfully open a savings account for it to be considered Successful Referrals. The Successful Referrals will then be counted towards the Total Number of Successful Referrals for the corresponding phase based on the date of successful account opening. Each Referrer will be ranked based on their current Total Number of Successful Referrals of each phrase. Referrers with the same number of Total Number of Successful Referrals will be ranked according to the order of the time when the last Referee filled in the invitation code. Total Number of Successful Referrals of Each Referrer will be reset on the first day of each phase.
2. Select the reward plan: During the Programme Period, the Referrer may choose either the Asset Achievement Reward Plan or the ZA Card Spending Achievement Reward Plan, and may switch between the plans at any time. Upon each confirmed switch, the selected reward plan will take effect immediately from the time of switching. There is currently no limit on the number of times the reward plan can be switched. If the Referrer does not select a reward plan during the Programme Period, the Asset Achievement Reward Plan will apply by default. The reward plan selected by the Referrer, including the default plan, will only apply to Referees who, at that time, have not yet used the invitation code and have not opened an account. Once the Referee has used the invitation code, any subsequent changes to the reward plan by the Referrer will not affect the reward plan applicable to the Referee. For more details, please refer to the T&C.
3. Requirements include: (1) "End-of-day stock assets" ≥ HKD 10,000 or its equivalent, including the total assets of US stocks at 9:00 PM on the same day and the total assets of HK stocks at the end of the day; (2) "End-of-day fund assets" ≥ HKD 100,000 or its equivalent. "End-of-day fund assets": The total amount of funds at the end of the day (HKD equivalent); (3) "End-of-day deposit balance" ≥ HKD 200,000 or its equivalent. "End-of-day deposit balance": The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day (HKD equivalent). Referees can check in the Account page under ZA Bank App for details. All the relevant amounts shall be subject to the record of ZA Bank.
4. Participant is required to choose the “StockBack x ZA Card” rebate program before ZA Card spending. To borrow or not to borrow? Borrow only if you can repay! "StockBack x ZA Card" Chance is subject to its T&C.
5. "StockBack x ZA Card" Promotion: The promotion period is from 3 Nov 2025 to 31 Dec 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bankf from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its T&C.
6. "StockBack x ZA Card" Limited-time Promotion: The promotion is from 1 Feb 2026 to 31 Dec 2026, both dates inclusive. During the Promotion Period, for each StockBack Chance, the amount of the stock rebate selected by the Participant from the StockBack machine will be equivalent to 1.5% of the transaction amount. "StockBack x ZA Card" Limited-time Promotion is subject to its T&C.
7. StockBack × ZA Card New Member Welcome Gift Promotion: The promotion is from 13 Feb 2026 to 31 Dec 2026, both dates inclusive. During the promotion period, new customers, who have never opened any bank account with ZA Bank or held any product or service with ZA Bank (including, but not limited to, deposit accounts and loan accounts) shall be entitled to an extra 1% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after successful account opening (the day of account opening shall be deemed the first day), provided that such customers select the "StockBack x ZA Card". This offer can be used in conjunction with the limited-time offer of 1.5% stock rebate, which the new customers can get up to 2.5% stock rebate. StockBack × ZA Card New Member Welcome Gift Promotion is subject to its T&C.
8. For the "StockBack x ZA Card 0.5% stock rebate on every purchase", Referee shall be entitled to an extra 0.5% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after referee’s successful account opening (the day of account opening shall be deemed the first day) during the Programme period of MGM promotion, if StockBack x ZA Card”is selected. If a single eligible transaction exceeds the remaining rewardable transaction amount, the entire eligible transaction will not give an extra 0.5% stock rebate. This offer can be used in conjunction with the“StockBack x ZA Card”Limited-time Promotion of 1.5% stock rebate and StockBack × ZA Card New Member Welcome Gift Promotion of 1% stock rebate, in which new users fulfilling the conditions of MGM promotion can get up to 3% stock rebate. For more details about StockBack x ZA Card 0.5% stock rebate on every purchase, please refer to the T&C.
9. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.
10. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.
11. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
12. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
13. The referee must go to ZA Quest to claim a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon within 7 days after meeting the specified requirements. The coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimum new funds deposit amount of HKD 1. The coupon is valid within 7 days after receipt. For more details about the New Funds Rate-up Coupon, please refer to the T&C.
14. ZA Quest is subject to its T&C.
15. Deposit Requirements: During the Programme Period, the Referee opens a ZA Bank savings account in Hong Kong using the Invitation Code, and makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after successful account opening (with the day after account opening counted as the first day).
16. The referee must go to ZA Quest to claim a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon. The Coupon is valid within 30 days after receipt. For more details about the Designated US Stock Redemption Coupon, please refer to the T&C.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!
ZA Bank Limited (“ZA Bank”) is regulated and authorized to conduct banking business and regulated activities in the Hong Kong SAR of the PRC (“Hong Kong”). The laws and regulations of Hong Kong regulate ZA Bank. It provides products and services for Hong Kong residents and visitors to Hong Kong to meet users’ real financial needs, such as consumption and financial management in Hong Kong. ZA Bank provides account opening services to people with valid identity documents in Hong Kong. When applying for a ZA Bank account, the customer must be physically located in the central area of Hong Kong. This material can only be distributed or disseminated in Hong Kong. You are not allowed to copy, distribute, or transmit outside Hong Kong without prior consent from ZA Bank. ZA Bank does not intend to provide any product or service to any person in any jurisdiction, country, or territory where the Bank is restricted or not authorized by law or regulation to carry on banking business. If you are not located in Hong Kong, we may not be allowed to provide products and services through our applications or websites in your country or region where you are located or domiciled.
Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar).
The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time. Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
1. The Referee in Hong Kong must use the Invitation Code during the Programme Period and successfully open a savings account for it to be considered Successful Referrals. The Successful Referrals will then be counted towards the Total Number of Successful Referrals for the corresponding phase based on the date of successful account opening. Each Referrer will be ranked based on their current Total Number of Successful Referrals of each phrase. Referrers with the same number of Total Number of Successful Referrals will be ranked according to the order of the time when the last Referee filled in the invitation code. Total Number of Successful Referrals of Each Referrer will be reset on the first day of each phase.
2. Select the reward plan: During the Programme Period, the Referrer may choose either the Asset Achievement Reward Plan or the ZA Card Spending Achievement Reward Plan, and may switch between the plans at any time. Upon each confirmed switch, the selected reward plan will take effect immediately from the time of switching. There is currently no limit on the number of times the reward plan can be switched. If the Referrer does not select a reward plan during the Programme Period, the Asset Achievement Reward Plan will apply by default. The reward plan selected by the Referrer, including the default plan, will only apply to Referees who, at that time, have not yet used the invitation code and have not opened an account. Once the Referee has used the invitation code, any subsequent changes to the reward plan by the Referrer will not affect the reward plan applicable to the Referee. For more details, please refer to the T&C.
3. Requirements include: (1) "End-of-day stock assets" ≥ HKD 10,000 or its equivalent, including the total assets of US stocks at 9:00 PM on the same day and the total assets of HK stocks at the end of the day; (2) "End-of-day fund assets" ≥ HKD 100,000 or its equivalent. "End-of-day fund assets": The total amount of funds at the end of the day (HKD equivalent); (3) "End-of-day deposit balance" ≥ HKD 200,000 or its equivalent. "End-of-day deposit balance": The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day (HKD equivalent). Referees can check in the Account page under ZA Bank App for details. All the relevant amounts shall be subject to the record of ZA Bank.
4. Participant is required to choose the “StockBack x ZA Card” rebate program before ZA Card spending. To borrow or not to borrow? Borrow only if you can repay! "StockBack x ZA Card" Chance is subject to its T&C.
5. "StockBack x ZA Card" Promotion: The promotion period is from 3 Nov 2025 to 31 Dec 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bankf from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its T&C.
6. "StockBack x ZA Card" Limited-time Promotion: The promotion is from 1 Feb 2026 to 31 Dec 2026, both dates inclusive. During the Promotion Period, for each StockBack Chance, the amount of the stock rebate selected by the Participant from the StockBack machine will be equivalent to 1.5% of the transaction amount. "StockBack x ZA Card" Limited-time Promotion is subject to its T&C.
7. StockBack × ZA Card New Member Welcome Gift Promotion: The promotion is from 13 Feb 2026 to 31 Dec 2026, both dates inclusive. During the promotion period, new customers, who have never opened any bank account with ZA Bank or held any product or service with ZA Bank (including, but not limited to, deposit accounts and loan accounts) shall be entitled to an extra 1% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after successful account opening (the day of account opening shall be deemed the first day), provided that such customers select the "StockBack x ZA Card". This offer can be used in conjunction with the limited-time offer of 1.5% stock rebate, which the new customers can get up to 2.5% stock rebate. StockBack × ZA Card New Member Welcome Gift Promotion is subject to its T&C.
8. For the "StockBack x ZA Card 0.5% stock rebate on every purchase", Referee shall be entitled to an extra 0.5% stock rebate on the first HKD 10,000 of eligible transactions made with the ZA Card within 30 calendar days after referee’s successful account opening (the day of account opening shall be deemed the first day) during the Programme period of MGM promotion, if StockBack x ZA Card”is selected. If a single eligible transaction exceeds the remaining rewardable transaction amount, the entire eligible transaction will not give an extra 0.5% stock rebate. This offer can be used in conjunction with the“StockBack x ZA Card”Limited-time Promotion of 1.5% stock rebate and StockBack × ZA Card New Member Welcome Gift Promotion of 1% stock rebate, in which new users fulfilling the conditions of MGM promotion can get up to 3% stock rebate. For more details about StockBack x ZA Card 0.5% stock rebate on every purchase, please refer to the T&C.
9. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.
10. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.
11. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
12. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
13. The referee must go to ZA Quest to claim a +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon within 7 days after meeting the specified requirements. The coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimum new funds deposit amount of HKD 1. The coupon is valid within 7 days after receipt. For more details about the New Funds Rate-up Coupon, please refer to the T&C.
14. ZA Quest is subject to its T&C.
15. Deposit Requirements: During the Programme Period, the Referee opens a ZA Bank savings account in Hong Kong using the Invitation Code, and makes a single deposit of ≥ HKD 1,000 or its equivalent within 14 days after successful account opening (with the day after account opening counted as the first day).
16. The referee must go to ZA Quest to claim a USD 30 Micron Technology (MU) Designated US Stock Redemption Coupon. The Coupon is valid within 30 days after receipt. For more details about the Designated US Stock Redemption Coupon, please refer to the T&C.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!
ZA Bank Limited (“ZA Bank”) is regulated and authorized to conduct banking business and regulated activities in the Hong Kong SAR of the PRC (“Hong Kong”). The laws and regulations of Hong Kong regulate ZA Bank. It provides products and services for Hong Kong residents and visitors to Hong Kong to meet users’ real financial needs, such as consumption and financial management in Hong Kong. ZA Bank provides account opening services to people with valid identity documents in Hong Kong. When applying for a ZA Bank account, the customer must be physically located in the central area of Hong Kong. This material can only be distributed or disseminated in Hong Kong. You are not allowed to copy, distribute, or transmit outside Hong Kong without prior consent from ZA Bank. ZA Bank does not intend to provide any product or service to any person in any jurisdiction, country, or territory where the Bank is restricted or not authorized by law or regulation to carry on banking business. If you are not located in Hong Kong, we may not be allowed to provide products and services through our applications or websites in your country or region where you are located or domiciled.
Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar).
The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time. Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
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