ZA Bank

ZA Bank, be the game changer! From Hong Kong's No.1 virtual bank - ZA Bank, to Hong Kong's first Visa card with personalised card number – ZA Card, we're committed to bring you a different banking experience.

The first-ever Visa card with personalised number
For the first time in Hong Kong, you can decide your card number your way. Choose your own card for real.

ZA Card gives what you need
Supported by Visa, enjoy free cash withdrawal at over 3,000 local banks' ATMs in HK and access to over 2.7 million ATMs worldwide. No CVV, expiry date or even your signature on the physical card, reaching a new level of security.

1% Savings rate by ZA Savings Go
Enjoy a different way to save with Savings Go. Earn as you deposit!

ZA Bank Loan
We provide loan amount up to HKD 1,000,000 with flexible repayment period of 6 to 60 months. The range of APR is from 1.99% to 35%.

7-day cooling off period
Early repay the loan in full within 7 calendar days to enjoy an interest and charges waiver.

ZA Verify offers a smoother and safer shopping experience
No more waiting for SMS during online shopping! With the brand new ZA Verify, you can verify the transaction within the app in seconds.

24/7 for you, whenever you need
We offer a suites of banking services anytime and anywhere, including savings, time deposit loan and more.

Top-notch security protection
Your account security is a big responsibility to us. We apply robust digital security technology, including multi-factor Authentication (MFA) and other intelligent security protections.

ZA Bank is a member of the Deposit Protection Scheme. All eligible deposits are covered by the scheme with a limit of HKD 500,000 per depositor.

Terms & conditions apply. Visit bank.za.group to find out more.
To borrow or not to borrow? Borrow only if you can repay!

The description of 'Hong Kong's No.1 virtual bank' is defined by ZA Bank’s leading position in the virtual banking industry in terms of number of users, personal deposits and loan amount as of 31 December 2020.

This banking mobile application ("App") is provided by ZA Bank Limited ("We", "us" or "our") for use only by our existing customers or persons holding a valid Hong Kong Identity Card and having a residential address in Hong Kong ("Customers"). Please do not use this App if you do not have a valid Hong Kong Identity Card and a residential address in Hong Kong or (if outside Hong Kong) you are not our existing customers. This App and the information provided through it is not intended for use by any person in any jurisdiction where such use would not be permitted by law or regulation. Any person who is not a Customer who uses the App, releases us from any liability, claims, damages, losses or costs arising from any non-compliance with the applicable procedures and instructions herein.

We are not authorised or licensed in any other jurisdiction for the provision of the products and/or services available through this App, nor do we represent or warrant that contents on this App are appropriate or available for use outside Hong Kong. Please ensure you comply with local laws and regulations applicable to you before using this App or our services.

This App should not be considered as communicating any invitation or inducement to engage in banking or lending, or any offer or solicitation to provide products or services to any person where the local law or regulation does not permit such activity or the use of such products or services. By applying for any products and/or services through this app, you declare and confirm that you comply with local laws and regulations applicable to you for using this app or our services.