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Programme period
2024.07.01 ~ 2024.12.31

First Payroll Reward1

Enjoy an 3.6% p.a. HKD savings rate

Within 90 days after successful programme registration, participants who receive an Eligible Salary2 of not less than HKD 8,000 through ZA Bank will receive a 3.59% p.a. HKD Savings Rate-up Coupon3. When including the basic annual interest rate of 0.01%4, participants can enjoy an HKD savings rate of 3.6% p.a.

The Savings Rate-up Coupon is applicable to a deposit amount of HKD 0 - 200,000 and valid for 90 days.

Note: The Rate-up Coupon will be distributed to a participant's ZA Bank account on the same day after the conditions have been fulfilled.

Payroll Reward for 3 Consecutive Months1

Earn an 8.8% p.a. HKD savings rate

After fulfilling the conditions of First Payroll Reward, participants who receive an Eligible Salary of a specified amount for extra 2 consecutive months (3 consecutive months in total including payroll for First Payroll Reward) will receive corresponding reward as specified in the table below.

Savings Rate-up Coupon is applicable to deposit amount of HKD 0 - 200,000 and valid for 90 days.

Note: If the amount of Eligible Salary received each month is different, the calculation will be based on the average monthly amount. Rate-up Coupon will be distributed to participants' ZA Bank account on the day after fulfilling the conditions and expiration of savings rate-up coupon from First Payroll Reward.

Monthly Eligible (HKD)HKD savings total interest rate
(including the basic interest rate4 and the interest rate of the HKD savings rate-up coupon)
8,000 to below 20,000

3.6% p.a.

20,000 to below 30,000

4.0% p.a.

30,000 to below 50,000

5.0% p.a.

50,000 to below 80,000

6.0% p.a.

80,000 to below 150,000

7.0% p.a.

HKD 150,000 or above

8.8% p.a.

Salary+
Earn an 8.8% p.a. HKD savings rate
1 "Salary+" Program: Programme commences from 1 July 2024 to 31 December 2024, both dates inclusive. Eligible participant must maintain a valid ZA Bank account opended with HKID and have not received any Eligible Salary through ZA Bank in the past 30 calendar days (excluding the date of registration) before registering for the program. Participant must register for the programme duing the programme period, and receive salary income within specified timeframe with the method specified by ZA Bank and fulfilling the conditions to receive the corresponding rewards of "First Payroll Reward" and "Payroll Reward for 3 consecutive months". Each Participant can only receive the above-mentioned reward once during the entire programme period. Terms and conditions apply.

2 Eligible Salary: Participants' employer to have his/her monthly salary credited into his/her ZA Bank account via FPS ("Faster Payment System”) with purpose type as “Salary and Benefits Payment”. Deposit of monthly salary through transfer deposit, remittance, local CHATS or standing instruction will not be considered as Eligible Salary. All Eligible Salary transaction records are determined according to ZA Bank’s record. In the event of any dispute, the decision of ZA Bank shall be final and conclusive.

3 The Savings Rate-up Coupon will take effect on the day of issuance automatically. The Savings Rate-up Coupon is subject to its terms and conditions. Participants should reference to the relevant terms and conditions before use.

4 The above interest rate is effective on 1 July 2024. It is subject to change as per prevailing market conditions.
1 "Salary+" Program: Programme commences from 1 July 2024 to 31 December 2024, both dates inclusive. Eligible participant must maintain a valid ZA Bank account opended with HKID and have not received any Eligible Salary through ZA Bank in the past 30 calendar days (excluding the date of registration) before registering for the program. Participant must register for the programme duing the programme period, and receive salary income within specified timeframe with the method specified by ZA Bank and fulfilling the conditions to receive the corresponding rewards of "First Payroll Reward" and "Payroll Reward for 3 consecutive months". Each Participant can only receive the above-mentioned reward once during the entire programme period. Terms and conditions apply.

2 Eligible Salary: Participants' employer to have his/her monthly salary credited into his/her ZA Bank account via FPS ("Faster Payment System”) with purpose type as “Salary and Benefits Payment”. Deposit of monthly salary through transfer deposit, remittance, local CHATS or standing instruction will not be considered as Eligible Salary. All Eligible Salary transaction records are determined according to ZA Bank’s record. In the event of any dispute, the decision of ZA Bank shall be final and conclusive.

3 The Savings Rate-up Coupon will take effect on the day of issuance automatically. The Savings Rate-up Coupon is subject to its terms and conditions. Participants should reference to the relevant terms and conditions before use.

4 The above interest rate is effective on 1 July 2024. It is subject to change as per prevailing market conditions.
1 "Salary+" Program: Programme commences from 1 July 2024 to 31 December 2024, both dates inclusive. Eligible participant must maintain a valid ZA Bank account opended with HKID and have not received any Eligible Salary through ZA Bank in the past 30 calendar days (excluding the date of registration) before registering for the program. Participant must register for the programme duing the programme period, and receive salary income within specified timeframe with the method specified by ZA Bank and fulfilling the conditions to receive the corresponding rewards of "First Payroll Reward" and "Payroll Reward for 3 consecutive months". Each Participant can only receive the above-mentioned reward once during the entire programme period. Terms and conditions apply.

2 Eligible Salary: Participants' employer to have his/her monthly salary credited into his/her ZA Bank account via FPS ("Faster Payment System”) with purpose type as “Salary and Benefits Payment”. Deposit of monthly salary through transfer deposit, remittance, local CHATS or standing instruction will not be considered as Eligible Salary. All Eligible Salary transaction records are determined according to ZA Bank’s record. In the event of any dispute, the decision of ZA Bank shall be final and conclusive.

3 The Savings Rate-up Coupon will take effect on the day of issuance automatically. The Savings Rate-up Coupon is subject to its terms and conditions. Participants should reference to the relevant terms and conditions before use.

4 The above interest rate is effective on 1 July 2024. It is subject to change as per prevailing market conditions.
1 "Salary+" Program: Programme commences from 1 July 2024 to 31 December 2024, both dates inclusive. Eligible participant must maintain a valid ZA Bank account opended with HKID and have not received any Eligible Salary through ZA Bank in the past 30 calendar days (excluding the date of registration) before registering for the program. Participant must register for the programme duing the programme period, and receive salary income within specified timeframe with the method specified by ZA Bank and fulfilling the conditions to receive the corresponding rewards of "First Payroll Reward" and "Payroll Reward for 3 consecutive months". Each Participant can only receive the above-mentioned reward once during the entire programme period. Terms and conditions apply.

2 Eligible Salary: Participants' employer to have his/her monthly salary credited into his/her ZA Bank account via FPS ("Faster Payment System”) with purpose type as “Salary and Benefits Payment”. Deposit of monthly salary through transfer deposit, remittance, local CHATS or standing instruction will not be considered as Eligible Salary. All Eligible Salary transaction records are determined according to ZA Bank’s record. In the event of any dispute, the decision of ZA Bank shall be final and conclusive.

3 The Savings Rate-up Coupon will take effect on the day of issuance automatically. The Savings Rate-up Coupon is subject to its terms and conditions. Participants should reference to the relevant terms and conditions before use.

4 The above interest rate is effective on 1 July 2024. It is subject to change as per prevailing market conditions.