ZA Bank [iPhone]

As the first virtual bank in HK, we aspire to bring different banking experience for you, with you:

Our speed is simply different
Get a ZA Bank account in as fast as 5 minutes with just an App and HKID, which supports Smart HKID and New Smart HKID Card. Both permanent and non-permanent residents can open accounts with us.

Savings Go with us
Enjoy the simply different Savings Go interest rate on your savings account to grow everyday with us from now on. Invite your friends to join with your exclusive Invitation Code.

The first ever 30 minutes pledge in HK for personal loan
We commit to finish reviewing your loan application within 30 minutes and getting back to you within 30 minutes, or else you get HKD 10 for every minute of overtime, on us!

Tax Season Loan - APR as low as 1.81%^
Upload your tax demand note to enjoy HKD 200 cash rebate upon applying and drawing a tax season loan of HKD 50,000 or above!

24/7, we are at your service
With our round-the-clock banking services, you can simply save your HKD, CNY, USD in one account. We are pioneering time deposit rate-up coupon and introducing time deposit placement as low as $1.

Exclusive perk for you
Every customer can also enjoy %ARABICA free coffee upgrade.

Top-notch security level
We serve you with robust digital security technology, including facial authentication which is pioneering in HK (for changing mobile number, new device login and etc.), Device Security Protection, Multi-factor Authentication (MFA).

ZA Bank Limited is a member of the Deposit Protection Scheme. Eligible deposits taken by this bank are protected by the Scheme up to a limit of HKD 500,000 per depositor.

Terms & Conditions apply.
^ The Annualised Percentage Rate (APR) is calculated based on selected loan period, respective monthly flat rate and loan amount of every HKD 10,000. 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. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. Please note that the actual monthly repayment amount may differ, Customers can refer to the Loan confirmation letter for actual related information.
To borrow or not to borrow? Borrow only if you can repay!
To know more, please visit bank.za.group.