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1. As the first digital bank to launch in Hong Kong, ZA Bank had the highest customer deposits and net profit among the city’s eight digital banks as of 30 June 2025. Source: Interim reports of 8 digital banks.

2. The time needed for account opening is subject to actual circumstances. In general, provided that no extra information is required, an user can open an account in as fast as 2 minutes.

3. To cater to everyone's financial needs, such as spending and wealth management, ZA Bank is offering exclusive banking services in Hong Kong.

^ Data is as of 30 June 2025.

4. App Store average rating as of December 15, 2025.

5. Overseas cash withdrawal may incur handling fees.

6. "Stock PowerDraw" Promotion is valid from 5 January 2026 to 31 January 2026, both dates inclusive ("Promotion Period").

Participants who complete a purchase transaction in stocks during the Promotion Period will receive one "Stock PowerDraw" chance. All "Stock PowerDraw" chance will only be valid for 24 hours from issuance by ZA Bank to the Participant and will be forfeited after expiry. If the brokerage fee for the US stocks purchase transaction is less than USD 2 per transaction, or less than HKD 20 per transaction for HK stocks purchase transaction, Participants will not receive any "Stock PowerDraw" chance.

Participants must have the ZA Bank App with version 3.8.9 or above in order to eligible for the "Stock PowerDraw" chance.

In each "Stock PowerDraw" chance, Participants can only receive rewards in the form of "Designated Stock Redemption Coupons", which can be redeemed for stocks ranked in the top 100 by market value in the US stocks market. Terms and Conditions apply.

7. "Asia's First" refers to licensed banks in Asia (excluding West Asia) that, as of 21 November, 2024, have a comprehensive regulatory framework for virtual assets and are members of FATF. This designation specifically applies to licensed banks that provide services for retail investors to trade cryptocurrencies directly using fiat currency through their main applications.

8. "StockBack x ZA Card" Promotion: The promotion period is from 3 November 2025 to 31 March 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card with the savings account balance to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate ("StockBack Rewards"), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bank from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. "StockBack x ZA Card" Promotion is subject to its Terms and Conditions.

9. Each eligible spending transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance ("Chance"), and will not be entitled to other ZA Card rebate offers. All Chances are valid for 48 hours. Each Chance may give a rebate up to 200% of the transaction amount or other designated rewards. Probability of each reward is not evenly distributed. 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. Terms and Conditions apply.

10. During the promotional period, users have the chance to get MillionTix by participating in PowerDraw or completing specific quests. ZA Bank will draw 100 of the MillionTix after each round. Users will receive an HKD 10,000 cash reward or other reward of equivalent value for each winning ticket they hold. Millionaire PowerDraw is subject to its Terms and Conditions.

* This also applies to ZA Credit users. To borrow or not to borrow? Borrow only if you can repay!

11. You will not be charged for a ZA Bank handling fee via SWIFT Global Transfer service. For other fees that may apply, please refer to the Fees and Charges Guide for Individual Customers.

12a. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.

12b. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.

12c. The Annualised Percentage Rate (“APR”) of 1.30% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.0584%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations 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 fees and charges (if applicable) of a product expressed as an annualised rate.

13. The whole application time may vary. In general, when the required information is fully prepared, the insurance application can be completed within 3 minutes.

Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.

Crypto Disclaimer

Investment involves risks. Virtual asset is a new asset class and developed on the basis of new technology, involving unanticipated risks associated with acquisition, storage, transfer and use. Prices of virtual assets could be highly volatile and investors are reminded to pay extra caution when deciding to invest in virtual assets. The price of virtual assets may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with risk disclosure statements before making any investment decisions. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.

To borrow or not to borrow? Borrow only if you can repay!

Important notes from the insurance agent and the insurer

ZA Life Limited (with business name as "ZA Insure") is authorised and regulated by Insurance Authority of the Hong Kong SAR.

ZA Bank Limited ("ZA Bank") is a licensed insurance agency (license number GA1009) authorised by ZA Insure.

All the above insurance product(s) are not products of ZA Bank, bank deposits or bank savings plans. Part of the premium pays for the insurance and related costs. Policyholder is subject to the credit risk of ZA Insure. This product is intended for sale in the jurisdiction of Hong Kong SAR only.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between ZA Bank and you out of the selling process or processing of the related transaction, ZA Bank is required to enter into a Financial Dispute Resolution Scheme process with you. Any disputes over the contractual terms of the ZA Insure's insurance products, ZA Bank will make every effort to provide assistance.

All insurance applications are subject to the underwriting requirements and acceptance of ZA Insure. Before making a decision, please review carefully the product materials issued by ZA Insure, including the Product Brochure and the Policy Provisions, to ensure you understand the features, risks, exclusions, restrictions and the full terms and conditions of the relevant insurance plan.

Depending on the information provided by the potential policyholder and/or the life insured during the online application, ZA Insure reserves the ultimate right to accept or reject any such online application for the selected insurance products offered by ZA Insure.