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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!

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 Savings interest.

Spend earlier Rebate earlier

Earlier payday lets you earn rebates earlier! Spend with ZA Card and win up to 200% rebates in PowerDraw!⁴

Terms and conditions apply.

How it works?

Interest-free period

Know your current payday

Say it’s the end of every month

Pick your ZA Payday

You can pick your ZA payday between the 24th to 30th

Get paid early

On ZA Payday, say the 24th of every month, we’ll auto-pay to your ZA Bank account

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

Repayment calculator of Salary FastPass

Outstanding amount (HKD)

申金额(HKD)

20,000

8,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000

Minimum payment

Only pay the fixed amount

Monthly repayment amount (HKD)

Estimated number
of years for the full
repayment

Total repayment amount (HKD)

Total interest expenses (HKD)

Savings in interest expenses (HKD)

This calculator and the results are for reference only. You need to refer to your individual monthly statement for account details and make repayments accordingly.

Assumptions: You make the payment on or before the payment due date each month (If the fixed amount is lower than the minimum payment amount, the repayment amount for the month will be calculated based on the minimum payment amount.).

Assumptions: No new transactions.

Assumptions: No other fees.

Assumptions:The annualised interest rate is 30% and the APR is 34.49% (excluding the 7-day interest-free period).

The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other applicable fees and charges of a product, expressed as an annualised rate.

Repayment calculator of Salary FastPass

Outstanding amount (HKD)

20,000

Minimum payment

Only pay the fixed amount

Monthly repayment amount (HKD)

Estimated number
of years for the full
repayment

Total repayment amount (HKD)

Total interest expenses (HKD)

Savings in interest expenses (HKD)

FAQ

Further Inquries down

[ 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 ( 34.06% 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 ] 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.

Selected customers offer
a new ZA Credit experience