When there is auto set-up instruction in effect, if there is any transactions in your savings account (such as transfer-out, card transaction or interest credit) and when your savings account balance is lower than the threshold you set after the transaction, we will automatically execute the top-up from your designated account with another bank to your ZA Bank savings account. After the completion of auto top-up, the transaction may still be failed due to insufficient account balance.

Please note that if your top-up amount exceeds your existing account balance in other bank, a charge may be incurred due to transaction failure or account overdraft.