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Event period
2024.07.01 ~ 2024.10.31

First payroll reward1

Enjoy 3.6% p.a. HKD savings rate

Within 90 days after successful programme registration and receive an Eligible Salary2 of not less than HKD 8,000 through ZA Bank, you will receive a 3.59% p.a. HKD Savings Rate-up Coupon3. On top of the basic annual interest rate of 0.1%4, you can enjoy HKD savings rate of 3.6% p.a..

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

Note: Rate-up coupon will be distributed to your ZA Bank account on the same day after fulfilling the conditions.

Payroll Reward for 3 consecutive months1

Enjoy an up to 8.8% p.a. HKD savings rate

After fulfilling the conditions of "First Payroll Reward" and receive an Eligible Salary of a specified amount for extra 2 consecutive months (3 consecutive months in total including payroll for "First Payroll Reward"), you 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 your ZA Bank account on the day after fulfilling the conditions and expiration of savings rate-up coupon from "First Payroll Reward".

Monthly Eligible (HKD)Total HKD savings rate
( including basic interest rate4 and 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.

Deposit Protection Scheme (DPS)

ZA Bank Limited is a member of DPS. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.

Salary+
Enjoy up to 8.8% p.a. HKD savings rate
1 "Salary+" Program: Programme commences from 1 July 2024 to 31 October 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 Savings rate-up coupon will take effect on the day of issuance automatically. 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 October 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 Savings rate-up coupon will take effect on the day of issuance automatically. 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 October 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 Savings rate-up coupon will take effect on the day of issuance automatically. 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 October 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 Savings rate-up coupon will take effect on the day of issuance automatically. 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.