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As a licensed bank and “Your Future Bank for Now”, ZA Bank use technology to conquer the limitations of traditional banks, bringing our users a more convenient banking experience without sacrificing security. And you can also enjoy 24x7 customer service!

Enjoy an exclusive HKD 10 rebate with
Mammy Pancake
  • ZA Bank and Mammy Pancake team up to drop two insanely "Rich" flavors, with an exclusive HKD 10 rebate¹ from your ZA Card!

    Get an HKD 200 Spending Rebate Coupon when you successfully open an account with the invitation code “PANCAKE” within the promotion period² - Bag an HKD 200 rebate when you spend HKD 200 or more with your ZA Card!
Enjoy an exclusive HKD 10 rebate with
Mammy Pancake
  • ZA Bank and Mammy Pancake team up to drop two insanely "Rich" flavors, with an exclusive HKD 10 rebate¹ from your ZA Card!

    Get an HKD 200 Spending Rebate Coupon when you successfully open an account with the invitation code “PANCAKE” within the promotion period² - Bag an HKD 200 rebate when you spend HKD 200 or more with your ZA Card!
Enjoy an exclusive HKD 10 rebate with
Mammy Pancake
  • ZA Bank and Mammy Pancake team up to drop two insanely "Rich" flavors, with an exclusive HKD 10 rebate¹ from your ZA Card!

    Get an HKD 200 Spending Rebate Coupon when you successfully open an account with the invitation code “PANCAKE” within the promotion period² - Bag an HKD 200 rebate when you spend HKD 200 or more with your ZA Card!
Enjoy an exclusive HKD 10 rebate with
Mammy Pancake
  • ZA Bank and Mammy Pancake team up to drop two insanely "Rich" flavors, with an exclusive HKD 10 rebate¹ from your ZA Card!

    Get an HKD 200 Spending Rebate Coupon when you successfully open an account with the invitation code “PANCAKE” within the promotion period² - Bag an HKD 200 rebate when you spend HKD 200 or more with your ZA Card!
An exclusive HKD 10 rebate
From now until July 14, spend HKD 20 or more at Mammy Pancake using your ZA Card and get HKD 10 back¹! Each person can claim this perk twice — meaning a total of HKD 20 straight back into your pocket.
An exclusive HKD 10 rebate
From now until July 14, spend HKD 20 or more at Mammy Pancake using your ZA Card and get HKD 10 back¹! Each person can claim this perk twice — meaning a total of HKD 20 straight back into your pocket.
An exclusive HKD 10 rebate
From now until July 14, spend HKD 20 or more at Mammy Pancake using your ZA Card and get HKD 10 back¹! Each person can claim this perk twice — meaning a total of HKD 20 straight back into your pocket.
An exclusive HKD 10 rebate
From now until July 14, spend HKD 20 or more at Mammy Pancake using your ZA Card and get HKD 10 back¹! Each person can claim this perk twice — meaning a total of HKD 20 straight back into your pocket.
Rich in every bite
  • Who says you can’t taste your wealth? Whether you go for the decadent "Bites of Black Diamond" or the indulgent "Extra Rich Pure Gold," every single bite is pure, mouth-watering satisfaction.

    Let's unlock the ultra “RICH” menu now!
Rich in every bite
  • Who says you can’t taste your wealth? Whether you go for the decadent "Bites of Black Diamond" or the indulgent "Extra Rich Pure Gold," every single bite is pure, mouth-watering satisfaction.

    Let's unlock the ultra “RICH” menu now!
Rich in every bite
  • Who says you can’t taste your wealth? Whether you go for the decadent "Bites of Black Diamond" or the indulgent "Extra Rich Pure Gold," every single bite is pure, mouth-watering satisfaction.

    Let's unlock the ultra “RICH” menu now!
Rich in every bite
  • Who says you can’t taste your wealth? Whether you go for the decadent "Bites of Black Diamond" or the indulgent "Extra Rich Pure Gold," every single bite is pure, mouth-watering satisfaction.

    Let's unlock the ultra “RICH” menu now!
Open an account in as fast as 2 mins
Enjoy a brand new banking experience at HK's No.1 digital bank. Open an account in just a few steps anytime, anywhere.
Open an account in as fast as 2 mins
Enjoy a brand new banking experience at HK's No.1 digital bank. Open an account in just a few steps anytime, anywhere.
Open an account in as fast as 2 mins
Enjoy a brand new banking experience at HK's No.1 digital bank. Open an account in just a few steps anytime, anywhere.
Open an account in as fast as 2 mins
Enjoy a brand new banking experience at HK's No.1 digital bank. Open an account in just a few steps anytime, anywhere.
Remarks
1 The promotion period is from 15 June 2026 to 14 July 2026. Participants who make a purchase of HKD 20 or above at Mammy Pancake stores in Hong Kong using a ZA Card (excluding payments made via e-wallets, except Apple Pay and Google Pay) will be entitled to enjoy an HKD 10 cash rebate. The rebate will be credited to the same ZA Card account in the form of refund transaction no later than 14 August 2026. Each participant can only receive a maximum of HKD 20 cash rebate from the promotion. The rebate is subject to a limited quota and will be available on a first‑come‑first‑served basis while stocks last. The promotion is subject to its Terms and Conditions.
2 Exclusive Account Opening Programme: Programme commences from 15 June 2026 to 14 July 2026. Participants must have never opened any bank account with ZA Bank and held any product or service with ZA Bank (including but not limited to a deposit account and a loan account); and have successfully opened a savings account with ZA Bank with the Invitation Code. Participants will be eligible for one (1) HKD 200 Spending Rebate Coupon after successfully opening a ZA Bank savings account in Hong Kong. More usage conditions of the Spending Rebate Coupon (including but not limited to spending amount, spending method, spending category, rebate amount, rebate limit and term of validity) shall be based on the contents displayed on the Coupon. Terms and Conditions apply.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!




Remarks
1 The promotion period is from 15 June 2026 to 14 July 2026. Participants who make a purchase of HKD 20 or above at Mammy Pancake stores in Hong Kong using a ZA Card (excluding payments made via e-wallets, except Apple Pay and Google Pay) will be entitled to enjoy an HKD 10 cash rebate. The rebate will be credited to the same ZA Card account in the form of refund transaction no later than 14 August 2026. Each participant can only receive a maximum of HKD 20 cash rebate from the promotion. The rebate is subject to a limited quota and will be available on a first‑come‑first‑served basis while stocks last. The promotion is subject to its Terms and Conditions.
2 Exclusive Account Opening Programme: Programme commences from 15 June 2026 to 14 July 2026. Participants must have never opened any bank account with ZA Bank and held any product or service with ZA Bank (including but not limited to a deposit account and a loan account); and have successfully opened a savings account with ZA Bank with the Invitation Code. Participants will be eligible for one (1) HKD 200 Spending Rebate Coupon after successfully opening a ZA Bank savings account in Hong Kong. More usage conditions of the Spending Rebate Coupon (including but not limited to spending amount, spending method, spending category, rebate amount, rebate limit and term of validity) shall be based on the contents displayed on the Coupon. Terms and Conditions apply.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!




Remarks
1 The promotion period is from 15 June 2026 to 14 July 2026. Participants who make a purchase of HKD 20 or above at Mammy Pancake stores in Hong Kong using a ZA Card (excluding payments made via e-wallets, except Apple Pay and Google Pay) will be entitled to enjoy an HKD 10 cash rebate. The rebate will be credited to the same ZA Card account in the form of refund transaction no later than 14 August 2026. Each participant can only receive a maximum of HKD 20 cash rebate from the promotion. The rebate is subject to a limited quota and will be available on a first‑come‑first‑served basis while stocks last. The promotion is subject to its Terms and Conditions.
2 Exclusive Account Opening Programme: Programme commences from 15 June 2026 to 14 July 2026. Participants must have never opened any bank account with ZA Bank and held any product or service with ZA Bank (including but not limited to a deposit account and a loan account); and have successfully opened a savings account with ZA Bank with the Invitation Code. Participants will be eligible for one (1) HKD 200 Spending Rebate Coupon after successfully opening a ZA Bank savings account in Hong Kong. More usage conditions of the Spending Rebate Coupon (including but not limited to spending amount, spending method, spending category, rebate amount, rebate limit and term of validity) shall be based on the contents displayed on the Coupon. Terms and Conditions apply.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!




Remarks
1 The promotion period is from 15 June 2026 to 14 July 2026. Participants who make a purchase of HKD 20 or above at Mammy Pancake stores in Hong Kong using a ZA Card (excluding payments made via e-wallets, except Apple Pay and Google Pay) will be entitled to enjoy an HKD 10 cash rebate. The rebate will be credited to the same ZA Card account in the form of refund transaction no later than 14 August 2026. Each participant can only receive a maximum of HKD 20 cash rebate from the promotion. The rebate is subject to a limited quota and will be available on a first‑come‑first‑served basis while stocks last. The promotion is subject to its Terms and Conditions.
2 Exclusive Account Opening Programme: Programme commences from 15 June 2026 to 14 July 2026. Participants must have never opened any bank account with ZA Bank and held any product or service with ZA Bank (including but not limited to a deposit account and a loan account); and have successfully opened a savings account with ZA Bank with the Invitation Code. Participants will be eligible for one (1) HKD 200 Spending Rebate Coupon after successfully opening a ZA Bank savings account in Hong Kong. More usage conditions of the Spending Rebate Coupon (including but not limited to spending amount, spending method, spending category, rebate amount, rebate limit and term of validity) shall be based on the contents displayed on the Coupon. Terms and Conditions apply.
This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!




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