ZA Bank

About ZA Bank

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.

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!

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.

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.
To borrow or not to borrow? Borrow only if you can repay!
To know more, please visit bank.za.group.



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.