Rewards for HK Referral
Reward 1: Up to HKD 4,000
Reward 1: Up to HKD 4,000
- From now until 30 Jun 2025, invite a friend in HK (including both HK residents and visitors in HK) to successfully open a ZA Bank savings account with your invitation code in HK, and your friend’s end-of-day total balance1 reaches the equivalent of HKD 1,000 on any day within 14 days after account opening, with a portion not being a deposit ("Requirements"). You can earn corresponding cash rewards!
Reward 2: Up to HKD 30,000
Reward 2: Up to HKD 30,000
- Top 20 with the highest total number of Successful Referrals, where each friend meets the requirements during the programme period, can earn extra cash rewards!
Reward 3: Up to HKD 6,000
Reward 3: Up to HKD 6,000
- During the programme period, invite a friend in HK to open a ZA Bank account. If their end-of-day total balance1 reaches the equivalent of HKD 200,000 on any day within 14 days of account opening — part of which must not be a deposit ("Super Requirements").
Rewards for HK Referral
Reward 1: Up to HKD 4,000
Reward 1: Up to HKD 4,000
- From now until 30 Jun 2025, invite a friend in HK (including both HK residents and visitors in HK) to successfully open a ZA Bank savings account with your invitation code in HK, and your friend’s end-of-day total balance1 reaches the equivalent of HKD 1,000 on any day within 14 days after account opening, with a portion not being a deposit ("Requirements"). You can earn corresponding cash rewards!
Reward 2: Up to HKD 30,000
Reward 2: Up to HKD 30,000
- Top 20 with the highest total number of Successful Referrals, where each friend meets the requirements during the programme period, can earn extra cash rewards!
Reward 3: Up to HKD 6,000
Reward 3: Up to HKD 6,000
- During the programme period, invite a friend in HK to open a ZA Bank account. If their end-of-day total balance1 reaches the equivalent of HKD 200,000 on any day within 14 days of account opening — part of which must not be a deposit ("Super Requirements").
Rewards for HK Referral
Reward 1: Up to HKD 4,000
Reward 1: Up to HKD 4,000
- From now until 30 Jun 2025, invite a friend in HK (including both HK residents and visitors in HK) to successfully open a ZA Bank savings account with your invitation code in HK, and your friend’s end-of-day total balance1 reaches the equivalent of HKD 1,000 on any day within 14 days after account opening, with a portion not being a deposit ("Requirements"). You can earn corresponding cash rewards!
Reward 2: Up to HKD 30,000
Reward 2: Up to HKD 30,000
- Top 20 with the highest total number of Successful Referrals, where each friend meets the requirements during the programme period, can earn extra cash rewards!
Reward 3: Up to HKD 6,000
Reward 3: Up to HKD 6,000
- During the programme period, invite a friend in HK to open a ZA Bank account. If their end-of-day total balance1 reaches the equivalent of HKD 200,000 on any day within 14 days of account opening — part of which must not be a deposit ("Super Requirements").
Rewards for HK Referral
Reward 1: Up to HKD 4,000
Reward 1: Up to HKD 4,000
- From now until 30 Jun 2025, invite a friend in HK (including both HK residents and visitors in HK) to successfully open a ZA Bank savings account with your invitation code in HK, and your friend’s end-of-day total balance1 reaches the equivalent of HKD 1,000 on any day within 14 days after account opening, with a portion not being a deposit ("Requirements"). You can earn corresponding cash rewards!
Reward 2: Up to HKD 30,000
Reward 2: Up to HKD 30,000
- Top 20 with the highest total number of Successful Referrals, where each friend meets the requirements during the programme period, can earn extra cash rewards!
Reward 3: Up to HKD 6,000
Reward 3: Up to HKD 6,000
- During the programme period, invite a friend in HK to open a ZA Bank account. If their end-of-day total balance1 reaches the equivalent of HKD 200,000 on any day within 14 days of account opening — part of which must not be a deposit ("Super Requirements").
Rewards For Referee in HK
Rewards 1: Up to HKD 1,000 reward and US stock with 0 brokerage fee
Reward 1: Up to HKD 1,000 rewards and US stock with 0 brokerage fee
- From now until 30 Jun 2025, if your friend in HK (including both HK residents and visitors in HK) who successfully opened a ZA Bank savings account with your invitation code, your friend can get the rewards below!
Reward 2: a 10% p.a. HKD time deposit rate
Reward 2: a 10% p.a. HKD time deposit rate
- Your friend can get a +9.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon7 via ZA Quest8 when they meet the requirements, and enjoy 10% p.a. in total combined with the basic interest rate!
Reward 3: a 20% p.a. HKD time deposit rate
Reward 3: a 20% p.a. HKD time deposit rate
- Your friend can get an extra +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon7 via ZA Quest8 when they meet the super requirements, and enjoy 20% p.a. in total combined with the basic interest rate!
Rewards For Referee in HK
Rewards 1: Up to HKD 1,000 reward and US stock with 0 brokerage fee
Reward 1: Up to HKD 1,000 rewards and US stock with 0 brokerage fee
- From now until 30 Jun 2025, if your friend in HK (including both HK residents and visitors in HK) who successfully opened a ZA Bank savings account with your invitation code, your friend can get the rewards below!
Reward 2: a 10% p.a. HKD time deposit rate
Reward 2: a 10% p.a. HKD time deposit rate
- Your friend can get a +9.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon7 via ZA Quest8 when they meet the requirements, and enjoy 10% p.a. in total combined with the basic interest rate!
Reward 3: a 20% p.a. HKD time deposit rate
Reward 3: a 20% p.a. HKD time deposit rate
- Your friend can get an extra +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon7 via ZA Quest8 when they meet the super requirements, and enjoy 20% p.a. in total combined with the basic interest rate!
Rewards For Referee in HK
Rewards 1: Up to HKD 1,000 reward and US stock with 0 brokerage fee
Reward 1: Up to HKD 1,000 rewards and US stock with 0 brokerage fee
- From now until 30 Jun 2025, if your friend in HK (including both HK residents and visitors in HK) who successfully opened a ZA Bank savings account with your invitation code, your friend can get the rewards below!
Reward 2: a 10% p.a. HKD time deposit rate
Reward 2: a 10% p.a. HKD time deposit rate
- Your friend can get a +9.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon7 via ZA Quest8 when they meet the requirements, and enjoy 10% p.a. in total combined with the basic interest rate!
Reward 3: a 20% p.a. HKD time deposit rate
Reward 3: a 20% p.a. HKD time deposit rate
- Your friend can get an extra +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon7 via ZA Quest8 when they meet the super requirements, and enjoy 20% p.a. in total combined with the basic interest rate!
Rewards For Referee in HK
Rewards 1: Up to HKD 1,000 reward and US stock with 0 brokerage fee
Reward 1: Up to HKD 1,000 rewards and US stock with 0 brokerage fee
- From now until 30 Jun 2025, if your friend in HK (including both HK residents and visitors in HK) who successfully opened a ZA Bank savings account with your invitation code, your friend can get the rewards below!
Reward 2: a 10% p.a. HKD time deposit rate
Reward 2: a 10% p.a. HKD time deposit rate
- Your friend can get a +9.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon7 via ZA Quest8 when they meet the requirements, and enjoy 10% p.a. in total combined with the basic interest rate!
Reward 3: a 20% p.a. HKD time deposit rate
Reward 3: a 20% p.a. HKD time deposit rate
- Your friend can get an extra +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon7 via ZA Quest8 when they meet the super requirements, and enjoy 20% p.a. in total combined with the basic interest rate!
How to invite friends?
01.
Go to [Explore] > [HK Referrals] in the ZA Bank App
02.
Share the Invitation Code with your friends
03.
Your friends can download the App and open an account with your Invitation Code
How to invite friends?
01.
Go to [Explore] > [HK Referrals] in the ZA Bank App
02.
Share the Invitation Code with your friends
03.
Your friends can download the App and open an account with your Invitation Code
How to invite friends?
01.
Go to [Explore] > [HK Referrals] in the ZA Bank App
02.
Share the Invitation Code with your friends
03.
Your friends can download the App and open an account with your Invitation Code
01.
Go to [Explore] > [HK Referrals] in the ZA Bank App
02.
Share the Invitation Code with your friends
03.
Your friends can download the App and open an account with your Invitation Code
01.
Go to [Explore] > [HK Referrals] in the ZA Bank App
02.
Share the Invitation Code with your friends
03.
Your friends can download the App and open an account with your Invitation Code
How to invite friends?
01.
Go to [Explore] > [HK Referrals] in the ZA Bank App
02.
Share the Invitation Code with your friends
03.
Your friends can download the App and open an account with your Invitation Code
01.
Go to [Explore] > [HK Referrals] in the ZA Bank App
02.
Share the Invitation Code with your friends
03.
Your friends can download the App and open an account with your Invitation Code
01.
Go to [Explore] > [HK Referrals] in the ZA Bank App
02.
Share the Invitation Code with your friends
03.
Your friends can download the App and open an account with your Invitation Code
More Benefits
Earn up to HKD 1,000 rewards and US stock with 0 brokerage fee
Successfully open an account with the invitation
code “GT36Z9”
Learn More
Invite friends to draw down a loan and you could earn a reward up to HKD 900
Invite friends to draw down a loan and you could earn a reward up to HKD 900
To borrow or not to borrow? Borrow only if you can repay!
Learn More
More Benefits
Earn up to HKD 1,000 rewards and US stock with 0 brokerage fee
Successfully open an account with the invitation
code “GT36Z9”
Learn MoreInvite friends to draw down a loan and you could earn a reward up to HKD 900
Invite friends to draw down a loan and you could earn a reward up to HKD 900
To borrow or not to borrow? Borrow only if you can repay!
Learn MoreMore Benefits
More Benefits
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!
Member-Get-Member Programme (“MGM Programme”) commences from 16 May 2025 to 30 Jun 2025, both dates inclusive (“Programme Period”). The referee ( “Referee”) must have never opened any bank account with ZA Bank and held any product or service 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. The referee will be eligible for the "Referee Account Opening Rewards" after successfully opening a ZA Bank savings account in Hong Kong. The referee will be eligible for the "Referee Achievement Reward" after meeting the requirements. The referee will be eligible for the "Referee Super Achievement Reward" after meeting the super requirements. The referrer will be eligible for the "Referrer Achievement Reward" when the referee meets the requirements. During the event period, if the referrer accumulates a specified number of referrals, they can receive an additional "Referrer Bonus Rewards". Top 20 referrers with the most referrals during the programme period will also receive “Referrer Leaderboard Rewards”. The referrer will be eligible for the "Referrer Super Achievement Reward" when the referee meets the super 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. “End-of-day total balance” includes the total of the following four items (HKD equivalent): (1) The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day, (2) The total amount of funds at the end of the day, (3) The total asset of US stock at 9:00 PM on the same day and (4) The total asset of Crypto at the end of the day.
2. The Spending Rebate Coupon Packet includes HKD 80, and HKD 20 Spending Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Spending Rebate Coupon, please refer to the T&C.
3. The Investment Fund Holding Subscription Coupon Packet includes HKD 550, HKD 30, 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.
4. Users can enjoy the brokerage fee discount after the successful activation of US stock trading service and using the coupon. Once the Coupon becomes effective, the US Stock Brokerage Fee will be waived for any buy or sell order within the validity period of the Coupon. If the referee does not use the coupon, brokerage fee of US stock trading will be charged according to the standard fee. The US Stock Brokerage Fee Coupon is valid within 60 days after receipt. For more details about the US Stock Brokerage Fee Coupon, please refer to the T&C.
5. The Currency Exchange Saver Coupon Packet includes HKD 125, and HKD 25 Currency Exchange Saver Coupons. Coupons are valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
6. The Global Transfer Cashback Coupon Packet includes HKD 120, and HKD 30 Currency Global Transfer Cashback Coupons. Coupons are valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
7. The two Time Deposit New Funds Rate-up Coupons are eligible for a 7-day HKD time deposit, with a maximum New funds deposit amount of HKD 100,000. Coupons are valid within 14 days after receipt. For more details about the Time Deposit New Funds Rate-up Coupon, please refer to the T&C.
8. The referee must go to ZA Quest to claim the 7-day HKD time deposit Rate-up Coupons within 7 days after meeting the requirements or the super requirements. ZA Quest is subject to its T&C.
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. “End-of-day total balance” includes the total of the following four items (HKD equivalent): (1) The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day, (2) The total amount of funds at the end of the day, (3) The total asset of US stock at 9:00 PM on the same day and (4) The total asset of Crypto at the end of the day.
2. The Spending Rebate Coupon Packet includes HKD 80, and HKD 20 Spending Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Spending Rebate Coupon, please refer to the T&C.
3. The Investment Fund Holding Subscription Coupon Packet includes HKD 550, HKD 30, 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.
4. Users can enjoy the brokerage fee discount after the successful activation of US stock trading service and using the coupon. Once the Coupon becomes effective, the US Stock Brokerage Fee will be waived for any buy or sell order within the validity period of the Coupon. If the referee does not use the coupon, brokerage fee of US stock trading will be charged according to the standard fee. The US Stock Brokerage Fee Coupon is valid within 60 days after receipt. For more details about the US Stock Brokerage Fee Coupon, please refer to the T&C.
5. The Currency Exchange Saver Coupon Packet includes HKD 125, and HKD 25 Currency Exchange Saver Coupons. Coupons are valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
6. The Global Transfer Cashback Coupon Packet includes HKD 120, and HKD 30 Currency Global Transfer Cashback Coupons. Coupons are valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
7. The two Time Deposit New Funds Rate-up Coupons are eligible for a 7-day HKD time deposit, with a maximum New funds deposit amount of HKD 100,000. Coupons are valid within 14 days after receipt. For more details about the Time Deposit New Funds Rate-up Coupon, please refer to the T&C.
8. The referee must go to ZA Quest to claim the 7-day HKD time deposit Rate-up Coupons within 7 days after meeting the requirements or the super requirements. ZA Quest is subject to its T&C.
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 16 May 2025 to 30 Jun 2025, both dates inclusive (“Programme Period”). The referee ( “Referee”) must have never opened any bank account with ZA Bank and held any product or service 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. The referee will be eligible for the "Referee Account Opening Rewards" after successfully opening a ZA Bank savings account in Hong Kong. The referee will be eligible for the "Referee Achievement Reward" after meeting the requirements. The referee will be eligible for the "Referee Super Achievement Reward" after meeting the super requirements. The referrer will be eligible for the "Referrer Achievement Reward" when the referee meets the requirements. During the event period, if the referrer accumulates a specified number of referrals, they can receive an additional "Referrer Bonus Rewards". Top 20 referrers with the most referrals during the programme period will also receive “Referrer Leaderboard Rewards”. The referrer will be eligible for the "Referrer Super Achievement Reward" when the referee meets the super 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. “End-of-day total balance” includes the total of the following four items (HKD equivalent): (1) The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day, (2) The total amount of funds at the end of the day, (3) The total asset of US stock at 9:00 PM on the same day and (4) The total asset of Crypto at the end of the day.
2. The Spending Rebate Coupon Packet includes HKD 80, and HKD 20 Spending Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Spending Rebate Coupon, please refer to the T&C.
3. The Investment Fund Holding Subscription Coupon Packet includes HKD 550, HKD 30, 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.
4. Users can enjoy the brokerage fee discount after the successful activation of US stock trading service and using the coupon. Once the Coupon becomes effective, the US Stock Brokerage Fee will be waived for any buy or sell order within the validity period of the Coupon. If the referee does not use the coupon, brokerage fee of US stock trading will be charged according to the standard fee. The US Stock Brokerage Fee Coupon is valid within 60 days after receipt. For more details about the US Stock Brokerage Fee Coupon, please refer to the T&C.
5. The Currency Exchange Saver Coupon Packet includes HKD 125, and HKD 25 Currency Exchange Saver Coupons. Coupons are valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
6. The Global Transfer Cashback Coupon Packet includes HKD 120, and HKD 30 Currency Global Transfer Cashback Coupons. Coupons are valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
7. The two Time Deposit New Funds Rate-up Coupons are eligible for a 7-day HKD time deposit, with a maximum New funds deposit amount of HKD 100,000. Coupons are valid within 14 days after receipt. For more details about the Time Deposit New Funds Rate-up Coupon, please refer to the T&C.
8. The referee must go to ZA Quest to claim the 7-day HKD time deposit Rate-up Coupons within 7 days after meeting the requirements or the super requirements. ZA Quest is subject to its T&C.
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. “End-of-day total balance” includes the total of the following four items (HKD equivalent): (1) The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day, (2) The total amount of funds at the end of the day, (3) The total asset of US stock at 9:00 PM on the same day and (4) The total asset of Crypto at the end of the day.
2. The Spending Rebate Coupon Packet includes HKD 80, and HKD 20 Spending Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Spending Rebate Coupon, please refer to the T&C.
3. The Investment Fund Holding Subscription Coupon Packet includes HKD 550, HKD 30, 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.
4. Users can enjoy the brokerage fee discount after the successful activation of US stock trading service and using the coupon. Once the Coupon becomes effective, the US Stock Brokerage Fee will be waived for any buy or sell order within the validity period of the Coupon. If the referee does not use the coupon, brokerage fee of US stock trading will be charged according to the standard fee. The US Stock Brokerage Fee Coupon is valid within 60 days after receipt. For more details about the US Stock Brokerage Fee Coupon, please refer to the T&C.
5. The Currency Exchange Saver Coupon Packet includes HKD 125, and HKD 25 Currency Exchange Saver Coupons. Coupons are valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
6. The Global Transfer Cashback Coupon Packet includes HKD 120, and HKD 30 Currency Global Transfer Cashback Coupons. Coupons are valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
7. The two Time Deposit New Funds Rate-up Coupons are eligible for a 7-day HKD time deposit, with a maximum New funds deposit amount of HKD 100,000. Coupons are valid within 14 days after receipt. For more details about the Time Deposit New Funds Rate-up Coupon, please refer to the T&C.
8. The referee must go to ZA Quest to claim the 7-day HKD time deposit Rate-up Coupons within 7 days after meeting the requirements or the super requirements. ZA Quest is subject to its T&C.
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 16 May 2025 to 30 Jun 2025, both dates inclusive (“Programme Period”). The referee ( “Referee”) must have never opened any bank account with ZA Bank and held any product or service 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. The referee will be eligible for the "Referee Account Opening Rewards" after successfully opening a ZA Bank savings account in Hong Kong. The referee will be eligible for the "Referee Achievement Reward" after meeting the requirements. The referee will be eligible for the "Referee Super Achievement Reward" after meeting the super requirements. The referrer will be eligible for the "Referrer Achievement Reward" when the referee meets the requirements. During the event period, if the referrer accumulates a specified number of referrals, they can receive an additional "Referrer Bonus Rewards". Top 20 referrers with the most referrals during the programme period will also receive “Referrer Leaderboard Rewards”. The referrer will be eligible for the "Referrer Super Achievement Reward" when the referee meets the super 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. “End-of-day total balance” includes the total of the following four items (HKD equivalent): (1) The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day, (2) The total amount of funds at the end of the day, (3) The total asset of US stock at 9:00 PM on the same day and (4) The total asset of Crypto at the end of the day.
2. The Spending Rebate Coupon Packet includes HKD 80, and HKD 20 Spending Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Spending Rebate Coupon, please refer to the T&C.
3. The Investment Fund Holding Subscription Coupon Packet includes HKD 550, HKD 30, 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.
4. Users can enjoy the brokerage fee discount after the successful activation of US stock trading service and using the coupon. Once the Coupon becomes effective, the US Stock Brokerage Fee will be waived for any buy or sell order within the validity period of the Coupon. If the referee does not use the coupon, brokerage fee of US stock trading will be charged according to the standard fee. The US Stock Brokerage Fee Coupon is valid within 60 days after receipt. For more details about the US Stock Brokerage Fee Coupon, please refer to the T&C.
5. The Currency Exchange Saver Coupon Packet includes HKD 125, and HKD 25 Currency Exchange Saver Coupons. Coupons are valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
6. The Global Transfer Cashback Coupon Packet includes HKD 120, and HKD 30 Currency Global Transfer Cashback Coupons. Coupons are valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
7. The two Time Deposit New Funds Rate-up Coupons are eligible for a 7-day HKD time deposit, with a maximum New funds deposit amount of HKD 100,000. Coupons are valid within 14 days after receipt. For more details about the Time Deposit New Funds Rate-up Coupon, please refer to the T&C.
8. The referee must go to ZA Quest to claim the 7-day HKD time deposit Rate-up Coupons within 7 days after meeting the requirements or the super requirements. ZA Quest is subject to its T&C.
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. “End-of-day total balance” includes the total of the following four items (HKD equivalent): (1) The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day, (2) The total amount of funds at the end of the day, (3) The total asset of US stock at 9:00 PM on the same day and (4) The total asset of Crypto at the end of the day.
2. The Spending Rebate Coupon Packet includes HKD 80, and HKD 20 Spending Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Spending Rebate Coupon, please refer to the T&C.
3. The Investment Fund Holding Subscription Coupon Packet includes HKD 550, HKD 30, 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.
4. Users can enjoy the brokerage fee discount after the successful activation of US stock trading service and using the coupon. Once the Coupon becomes effective, the US Stock Brokerage Fee will be waived for any buy or sell order within the validity period of the Coupon. If the referee does not use the coupon, brokerage fee of US stock trading will be charged according to the standard fee. The US Stock Brokerage Fee Coupon is valid within 60 days after receipt. For more details about the US Stock Brokerage Fee Coupon, please refer to the T&C.
5. The Currency Exchange Saver Coupon Packet includes HKD 125, and HKD 25 Currency Exchange Saver Coupons. Coupons are valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
6. The Global Transfer Cashback Coupon Packet includes HKD 120, and HKD 30 Currency Global Transfer Cashback Coupons. Coupons are valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
7. The two Time Deposit New Funds Rate-up Coupons are eligible for a 7-day HKD time deposit, with a maximum New funds deposit amount of HKD 100,000. Coupons are valid within 14 days after receipt. For more details about the Time Deposit New Funds Rate-up Coupon, please refer to the T&C.
8. The referee must go to ZA Quest to claim the 7-day HKD time deposit Rate-up Coupons within 7 days after meeting the requirements or the super requirements. ZA Quest is subject to its T&C.
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 16 May 2025 to 30 Jun 2025, both dates inclusive (“Programme Period”). The referee ( “Referee”) must have never opened any bank account with ZA Bank and held any product or service 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. The referee will be eligible for the "Referee Account Opening Rewards" after successfully opening a ZA Bank savings account in Hong Kong. The referee will be eligible for the "Referee Achievement Reward" after meeting the requirements. The referee will be eligible for the "Referee Super Achievement Reward" after meeting the super requirements. The referrer will be eligible for the "Referrer Achievement Reward" when the referee meets the requirements. During the event period, if the referrer accumulates a specified number of referrals, they can receive an additional "Referrer Bonus Rewards". Top 20 referrers with the most referrals during the programme period will also receive “Referrer Leaderboard Rewards”. The referrer will be eligible for the "Referrer Super Achievement Reward" when the referee meets the super 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. “End-of-day total balance” includes the total of the following four items (HKD equivalent): (1) The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day, (2) The total amount of funds at the end of the day, (3) The total asset of US stock at 9:00 PM on the same day and (4) The total asset of Crypto at the end of the day.
2. The Spending Rebate Coupon Packet includes HKD 80, and HKD 20 Spending Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Spending Rebate Coupon, please refer to the T&C.
3. The Investment Fund Holding Subscription Coupon Packet includes HKD 550, HKD 30, 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.
4. Users can enjoy the brokerage fee discount after the successful activation of US stock trading service and using the coupon. Once the Coupon becomes effective, the US Stock Brokerage Fee will be waived for any buy or sell order within the validity period of the Coupon. If the referee does not use the coupon, brokerage fee of US stock trading will be charged according to the standard fee. The US Stock Brokerage Fee Coupon is valid within 60 days after receipt. For more details about the US Stock Brokerage Fee Coupon, please refer to the T&C.
5. The Currency Exchange Saver Coupon Packet includes HKD 125, and HKD 25 Currency Exchange Saver Coupons. Coupons are valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
6. The Global Transfer Cashback Coupon Packet includes HKD 120, and HKD 30 Currency Global Transfer Cashback Coupons. Coupons are valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
7. The two Time Deposit New Funds Rate-up Coupons are eligible for a 7-day HKD time deposit, with a maximum New funds deposit amount of HKD 100,000. Coupons are valid within 14 days after receipt. For more details about the Time Deposit New Funds Rate-up Coupon, please refer to the T&C.
8. The referee must go to ZA Quest to claim the 7-day HKD time deposit Rate-up Coupons within 7 days after meeting the requirements or the super requirements. ZA Quest is subject to its T&C.
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. “End-of-day total balance” includes the total of the following four items (HKD equivalent): (1) The total amount of deposits (including the balance of the Savings, Time Deposit and Savings Pot) at the end of the day, (2) The total amount of funds at the end of the day, (3) The total asset of US stock at 9:00 PM on the same day and (4) The total asset of Crypto at the end of the day.
2. The Spending Rebate Coupon Packet includes HKD 80, and HKD 20 Spending Rebate Coupons. Coupons are valid within 30 days after receipt. For more details about the Spending Rebate Coupon, please refer to the T&C.
3. The Investment Fund Holding Subscription Coupon Packet includes HKD 550, HKD 30, 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.
4. Users can enjoy the brokerage fee discount after the successful activation of US stock trading service and using the coupon. Once the Coupon becomes effective, the US Stock Brokerage Fee will be waived for any buy or sell order within the validity period of the Coupon. If the referee does not use the coupon, brokerage fee of US stock trading will be charged according to the standard fee. The US Stock Brokerage Fee Coupon is valid within 60 days after receipt. For more details about the US Stock Brokerage Fee Coupon, please refer to the T&C.
5. The Currency Exchange Saver Coupon Packet includes HKD 125, and HKD 25 Currency Exchange Saver Coupons. Coupons are valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C.
6. The Global Transfer Cashback Coupon Packet includes HKD 120, and HKD 30 Currency Global Transfer Cashback Coupons. Coupons are valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.
7. The two Time Deposit New Funds Rate-up Coupons are eligible for a 7-day HKD time deposit, with a maximum New funds deposit amount of HKD 100,000. Coupons are valid within 14 days after receipt. For more details about the Time Deposit New Funds Rate-up Coupon, please refer to the T&C.
8. The referee must go to ZA Quest to claim the 7-day HKD time deposit Rate-up Coupons within 7 days after meeting the requirements or the super requirements. ZA Quest is subject to its T&C.
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.