ZA Bank, Virtual Bank

ZA Bank, Virtual Bank

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Let’s get paid early! Time to have a say on your payday. With the first-in-town ‘Salary FastPass’, you can enjoy getting paid up to 7 days early with a 7-day interest-free period!
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Want an account that can get you paid early?
Open a ZA Bank account with 'SFP250' promo code and activate Salary FastPass within 30 days upon successful account opening, you'll earn HKD 250 rewards1!
Let’s get paid early!​
7-day interest-free period
Your payday, your way
Get paid 7 days early and enjoy a 7-day interest-free period2
Without the need of changing payroll account​
No more bills struggle every month​
Earn 7 days more savings interest
Boost your cash flow 7 days in advance with ‘Salary FastPass’ to earn 0.55% p.a. interest with Savings Go*.
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Spend earlier Rebate earlier
Earlier payday lets you earn rebates earlier! Spend with ZA Card and win up to 200% rebates in PowerDraw!4
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How it works?
Interest-free period
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Select current payday
Say it’s the end of every month
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Pick your ZA Payday
You can pick your ZA payday between the 24th to 30th
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Get paid early
On ZA Payday, say the 24th of every month, we’ll auto-pay to your ZA Bank account
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Auto-repay in full amount
7 days later on the 31st, we will auto-repay in full from your ZA Bank account
Apply in just 3 steps
FAQ
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[ 1 ] Terms and Conditions apply. New ZA Bank users who successfully open an account with ZA Bank with the ‘SFP250’ promo code during the promotion period shall receive HKD 50 cash rewards within 3 working days. Users who successfully apply for and activate ‘Salary FastPass’ within 30 days after account opening shall receive extra HKD 200 rewards in the form of ZA Coin in designated ZA Quest within 3 working days. ZA Quest promotion Terms and Conditions apply.
[ 2 ] Salary FastPass is a revolving credit facility in nature. If you don't have enough balance in your ZA Bank for the auto-repayment on the 7th day after every ZA Payday, interest will be incurred. You may also choose to repay manually anytime to reduce the interest expense. Salary FastPass charge 0% for the first 7 days after ZA Payday every month and 30% annual interest rate ( 34.49% APR) for any outstanding amount afterwards. The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks. The APR is a reference rate, which includes the basic interest rates and other fees and charges of a product, expressed as an annualised rate.
[ 3 ] The above Interest Rates are effective on 11 November 2021. They are subject to change as per prevailing market conditions.*Terms and Conditions apply.
[ 4 ] Each eligible transaction amount must be no less than HKD 10 to be entitled to 1 PowerDraw Chance ("Chance"), and that transaction will not be entitled to other rebate offers. Each participant can earn maximum of 20 Chances per day. All Chances are valid within 48 hours. Each Chance will give a random percentage of rebate up to 200% of the transaction amount. Rebate is in a form of ZA Coin. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. The rebate is capped at 1,000,000 ZA Coin (or HKD 10,000) per transaction.