ZA Bank has been featured in Fortune&rsquo;s inaugural Fintech Innovators Asia 2024 list&mdash;the only Hong Kong company to be recognised in the &ldquo;digital banking&rdquo; category 🎉. The list showcases 60 innovative and leading fintech companies in the region. To stand out in this highly competitive ranking is a great recognition of ZA Bank&rsquo;s ongoing efforts to drive fintech innovation and provide quality services.
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<h2>The only HK digital bank on the list 🏅</h2>
 Fortune selected 60 companies out of more than 300 candidates in Asia, covering blockchain and crypto, payments, digital banking, insurtech and wealthtech. Being named among the top 15 digital banks is a testament to our excellence in technological innovation and market impact. This honour not only demonstrates our market-leading position, but also affirms our role as an industry enabler1.
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<h2>Market trust and support 🤝</h2>
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ZA Bank&rsquo;s success is rooted in our focus to protect our users&rsquo; assets and data, and our constant efforts to improve our user experience. According to a recent survey2 conducted by the Hong Kong Association of Banks (HKAB), more than 97% of individual users and 99% of SMEs are satisfied with the security measures of digital banks. These numbers demonstrate the industry&rsquo;s progress in security, and ZA Bank&rsquo;s continued commitment is the key to winning users&rsquo; trust. Security and compliance are our top priorities, and this mindset has helped us to establish a strong position in the market.
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<h2>A broader user base 👍</h2>
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ZA Bank&rsquo;s services do not just appeal to the younger generation&mdash;we are also gaining traction with the elderly population and SMEs. According to the HKAB survey, more than 65% of respondents aged 26-35 have digital bank accounts, and the ratio among those aged 55 or above is at nearly 45%. For the SME segment, over 80% of respondents aged 36-45 and more than 65% of those aged 55 or above use services provided by digital banks. These figures largely echo ZA Bank&rsquo;s internal data, indicating that digital banking services have reached a wide range of age groups and business segments. This suggests that relevant products and services have broad appeal in the marketplace and can meet diverse needs.
&nbsp;
<h2>Comprehensive and diversified services 📱</h2>
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Digital banking services are evolving from basic banking features to more comprehensive financial solutions. The same survey shows that over 20% of individual users have adopted a wide range of digital banking services (e.g., insurance, investment, and payroll accounts), reflecting the rising demand for digital banking services across the market. ZA Bank has responded positively to this trend by successfully expanding our services from traditional deposit and savings offerings to more comprehensive financial solutions, further deepening our relationship with users and meeting their developing financial needs.
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<h2>Looking into the future 🚀</h2>
&nbsp;
The inclusion of ZA Bank in the Fortune Fintech Innovators Asia 2024 list is a testament to our past efforts and a strong impetus for future innovation. We will continue to promote fintech development, provide more efficient and secure digital banking services to users, and proactively tackle the future challenges of digital finance. We deeply thank all our users for their support and trust, which provide us with the greatest motivation to strive for continued progress and innovation 💚.
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To learn more about the list, please visit Fortune&rsquo;s <a href="https://fortune.com/asia/ranking/fintech-innovators-asia/2024/">website</a>.
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Notes:&nbsp;
1.&nbsp;<a href="https://fortune.com/franchise-list-page/methodology-fintech-innovators-asia-2024/">Methodology</a> for Fortune Fintech Innovators Asia (2024).
2. The Hong Kong Association of Banks (HKAB) Digital Banking Education Taskforce commissioned an <a href="https://www.hkab.org.hk/en/news/press-release/309">online survey</a> from 31 July to 8 August 2024, conducted by the School of Communication at Hong Kong Baptist University, to gauge public perception and usage patterns of digital banks. The survey engaged approximately 1,000 individuals and 200 SMEs.

We’ve made the Fortune Fintech Innovators Asia 2024 list! ✨

【ZA Bank】We’ve made the Fortune Fintech Innovators Asia 2024 list! ✨

At ZA Bank, our commitment to providing seamless and reliable banking services remains our top priority. As part of our ongoing efforts to enhance our offerings and ensure the sustainability of our services, we are introducing a new fee related to frequent transaction declines due to insufficient balance. We want to communicate this change transparently and explain its necessity.  
<h2 class="MsoNormal">What&rsquo;s changing?</h2>
Currently, about 1% of our customers experience 15 or more transaction declines (including scheduled/recurring fund transfer, fund transfer via electronic direct debit authorisation (eDDA), cash withdrawal and ZA Card transaction) in a month because of insufficient balance in their savings accounts. While this might seem small, these declines account for over 8% of our operational costs related to processing transactions. This trend has been growing and affects our ability to offer competitive services to everyone. The good news? Most of our customers manage their accounts well, so this fee won&rsquo;t apply to them. 🫰
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<h2 class="MsoNormal">Why do declined transactions cost money?</h2>
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<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;">Authorisation process: Every time you attempt a transaction with your account or ZA card 💳, we need to check your account balance and other details to ensure everything is secure and reliable.</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;">Network fees: Payment networks like Visa charge fees for processing transaction requests, even if they&rsquo;re declined. These fees help keep our transaction network secure and efficient.</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;">Operational integrity: Managing transaction requests - whether approved or declined - requires strong systems and compliance with regulations, ensuring your banking experience is safe🛡️.</li>
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<h2 class="MsoNormal"> What&rsquo;s the new fee?</h2>
To maintain fairness and sustainability, we&rsquo;ll be introducing a fee of HKD 120 for customers who have 15 or more declined transactions in a month due to insufficient balance. This will help us manage our operational costs while continuing to invest in features and services that benefit all our 800,000 users. 
&nbsp;
<h2 class="MsoNormal">How we&rsquo;re here to help 💁🏻</h2>
We understand that changes like this can be worrying, and we&rsquo;re committed to making this transition as smooth as possible for you:
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<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;">Auto top-up feature: Our &ldquo;Auto Top-up&rdquo; feature automatically transfers funds from a designated bank account when your ZA Bank savings account balance falls below a certain level after any transactions. This helps reduce the chance of declined transactions.</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;">Notification system: We&rsquo;ll notify you through the app📱 if your account is with low balance, giving you time to adjust your spending or add funds.</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;">Customer support: Our friendly customer service team is always here to answer your questions and provide guidance on managing your account to avoid these fees.</li>
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<h2 class="MsoNormal">Supporting our community🫶</h2>
We&rsquo;re committed to supporting our customers, especially those who may be facing financial difficulties. If you&rsquo;re in need, we can discuss exemptions or refunds for certain fees. Additionally, if we detect any fraudulent activity in the transaction, we&rsquo;ll work with you to refund any associated fees. Just reach out to us, and we&rsquo;ll do our best to help.
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<h2 class="MsoNormal" style="text-align: left;">Thank you for your trust</h2>
We appreciate your understanding as we implement this change. Our goal is to ensure that ZA Bank remains a trusted partner in your financial journey, providing the best possible services and solutions💯. Thank you for being a valued member of our community!
&nbsp;

🤗 Caring for your banking needs: Introducing our insufficient balance handling fee

【ZA Bank】🤗 Caring for your banking needs: Introducing our insufficient balance handling fee

Find yourself spending days hunting for the best time deposit rate whenever you want to place a time deposit? 👀 ZA Bank&rsquo;s Rate-up Tuesday1 welcomes everyone! Whether you&rsquo;re an introvert or extrovert, make the most of those Rate-up Coupons to earn interest and build more passive income 🫵 ✨
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/74e2db60-f7a7-4964-a749-46c4c23b2df8/a8f1c8dd-f339-4e8b-b527-f8cdfea3e691/i-1.png" alt="">
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/74e2db60-f7a7-4964-a749-46c4c23b2df8/67fbcb0d-9dab-47d5-b8f7-0eb047535ece/e.png" alt="">
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Every Tuesday, head to&nbsp;ZA Bank App homepage &gt; Deposit &gt; Rate-up Tuesday
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👇 Let&rsquo;s see how everybody is making it work 👇
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👤 ⭐⭐⭐⭐⭐
Grabbing Rate-up Coupons every Tuesday is a must! 🏃💨
Even if I don&rsquo;t deposit every week, I love collecting my Rate-up Coupons each Tuesday. I get a thrill from seeing how great the rate is! 🤑
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👤 ⭐⭐⭐⭐⭐
Unlocking bonus surprise couldn&rsquo;t be easier! 😎
My friends and I started a group to help each other out. Every Tuesday, we all just tap boost to unlock bonus surprise &mdash; why not? 😌
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👤 ⭐⭐⭐⭐⭐
I always check Rate-up Tuesday when I set up a time deposit! 🤑
Whenever I want to set up a time deposit, I&rsquo;ll grab those Rate-up Coupons first thing Tuesday morning to skip the rate-searching hassle.
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Make sure to get in on Rate-up Tuesday on time 🕛 If it might slip your mind, go to Rate-up Tuesday and turn on your reminder now 🔔
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ZA Bank Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$800,000 per depositor.
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1. Rate-up Tuesday is subject to <a href="https://bank.za.group/agreement/html/en_US/1001886">Terms and conditions</a>.
2. During the promotion period, you can claim 4 Rate-up Coupons every Tuesday. When combined with the current basic interest rate, each Rate-up Coupon's annual interest rate can reach up to 9% p.a.. The currency, minimum/maximum deposit amount, period, interest rate, expiry date, whether applicable to new funds and transferability of the Rate-up Coupons should be referred to the details on the respective coupon. Rate-up Coupons are subject to <a href="https://bank.za.group/agreement/html/en_US/1001374">Terms and conditions</a>.
3. After receiving 4 Rate-up Coupons, Participants can select to tap 'Boost' on one of the Rate-up Coupons for an opportunity to receive an extra Rate-up Coupon. The currency, minimum/maximum deposit amount, period, interest rate, expiry date, whether applicable to new funds and transferability of the Extra Rate-up Coupon will be the same as the coupon picked by the Participants. The extra Rate-up Coupon can reach up to 18% p.a., which includes the current basic interest rate. Participants need to follow the instructions in ZA Bank App to share their unique referral link with friends, and invite friends to complete the specified operations. With the friends&rsquo; help progress reaches 100% by Tuesday, Participants will obtain the Extra Rate-up Coupon. Rate-up Coupons are subject to <a href="https://bank.za.group/agreement/html/en_US/1001374">Terms and conditions</a>.

Time deposit rate

【ZA Bank】Time deposit offer! Keep your rate great every Tuesday 😍

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Did you know that the Hong Kong Monetary Authority recently announced that it will implement the renaming of "Virtual Banks" to "Digital Banks" shortly?&nbsp;💭 As you may know, Digital Banks offer comprehensive features and are more suitable for the banking needs of modern users, especially when compared to a traditional banking model!&nbsp;&nbsp;
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Let&rsquo;s examine how digital banks compare to a traditional banking model and see why ZA Bank is leading the charge, as shown below!&nbsp;💡
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<h2 class="MsoNormal" style="text-align: center;">📱 Convenience at your fingertips</h2>
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Always Open:&nbsp;With the ZA Bank App, <a href="https://bank.za.group/en">you can bank anytime, anywhere</a>. No more rushing to bank branches - Manage your financial life entirely via one app, from time deposits to currency exchange, all available 24x7!
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Quick Start: <a href="https://bank.za.group/en/account-open" target="_blank" rel="noopener">Open your account in as fast as 2 minutes</a> via the ZA Bank App. It&rsquo;s simple and hassle-free.
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<h2 class="MsoNormal" style="text-align: center;">💰 Save more, spend less</h2>
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Lower Fees:&nbsp;ZA Bank cuts costs with no branches, passing the savings to you with lower fees, whether you&rsquo;re investing or exchanging currencies!
&nbsp;
Better Rates:&nbsp;Enjoy competitive interest rates on savings and loans for your different budget needs with a variety of products e.g. <a href="https://blog.za.group/en/article/savingspotstories">ZA Bank&rsquo;s Savings Pots</a>.
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<h2 class="MsoNormal" style="text-align: center;">🤖 Cutting-edge tech</h2>
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<li class="MsoNormal">Seamless Service: ZA Bank&rsquo;s "dual-cloud" or "active-active cloud" digital infrastructure ensures that its services will experience minimal disruption. With a system running on two active clouds, ZA Bank users can enjoy a seamless banking experience at all times!&nbsp;</li>
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<h2 class="MsoNormal" style="text-align: center;">🔒 Top-notch security</h2>
&nbsp;
<ul>
<li class="MsoNormal">Balancing User Security and Experience: ZA Bank&rsquo;s all-in-one approach to security emphasises both user convenience and safety. For example, ZA Verify uses advanced fraud detection algorithms to detect and stop fraud instantly. You can also&nbsp;<a href="https://blog.za.group/en/article/ZA_Card_online_spending_security_tips">protect your account</a> balance with a wealth of features e.g. Travel, Spending Limit, Lock Card and more!</li>
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&nbsp;
<h2 class="MsoNormal" style="text-align: center;">🎁 Stellar service</h2>
<ul>
<li>24 x 7 Support: Reach out via chat, email or phone whenever you need help, 24 x 7! Best of all, you can exchange currencies or place a time deposit around the clock as well with ZA Bank!</li>
</ul>
&nbsp;
To conclude, if you're looking for a future-looking, user-friendly experience to help manage your financial life, digital banks are your answer! 🤩 With unmatched convenience, cost savings, cutting-edge technology and robust security, they offer an all-in-on-e experience that a traditional banking model simply can't match. 
&nbsp;
Make the switch and experience the difference, by joining the ZA Bank community today!&nbsp;🎊 🎊 🎊

What are the benefits of using a digital bank? 🤔

【ZA Bank】What are the benefits of using a digital bank? 🤔

ZA Bank has prepared a savings booster package for you! Dive in to discover more offers and the chance to win 800,000&nbsp;ZA Coins1&nbsp;😎! We want you to save with peace of mind and joy!
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<h2 class="MsoNormal" style="text-align: center;">Booster no.1 🚀</h2>
The maximum eligible deposit of High-rate Pot has been increased from HKD 500,000 to HKD 800,000, which means that more of your deposit can earn the reward rate! By completing Add Money Challenge and other challenges to unlock an incredible savings rate of up to 5% p.a.2 which means you can earn over HKD 1,200 more this month3
<h2 class="MsoNormal" style="text-align: center;"> Booster no.2 🚀🚀</h2>
Chill Pot shake things up, no challenges! The savings rate has been increased to 1.7% p.a.4! Compared to the 0.625% p.a. savings rate of other banks in HK5, you can easily earn over HKD 9006 more for just one month💰!
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<h2 class="MsoNormal" style="text-align: center;">Booster no.3 🚀🚀🚀</h2>
From now until 31 Oct 2024, make a single deposit of no less than HKD 100,000 into any of your Savings Pots to get a ZA Coin reward. 7 🤩!
&nbsp;
<h2 class="MsoNormal" style="text-align: center;" align="center">【Lucky Draw🎁】</h2>
Chance to win 800,000 ZA Coins with our Lai See Code 1
&nbsp;
From now until 31 Oct 2024, go to the ZA Bank App homepage &gt; All &gt; Lai See Code, enter &ldquo;ZA800K&rdquo; to win a chance of 800,000 ZA Coins, a Time Deposit New Funds Rate-up Coupon or other reward coupons1 🎉!
&nbsp;
Want to enjoy the savings booster package? Log into the ZA Bank App now and save with peace of mind and joy!
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<hr>
ZA Bank Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$800,000 per depositor.
&nbsp;
1. Participate in Lai See Code for a chance to win 800,000 ZA Coins. The promotion is subject to&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001933">terms and conditions</a>.
2. The Savings Pot is your savings sub-account. Savings deposits in the sub-account are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong. During the Campaign Period, you can get reward rates of up to 4.99% p.a. in total by completing challenges of High-rate Pot. As such, you can enjoy a total savings rate of 5% p.a. for this month when including the HKD Savings basic interest rate of 0.01% p.a. The above reward rates only apply to the High-rate Pot balance of HKD 800,000 or below, which is valid from the day of completing the challenge to the last day of the month. <a href="https://bank.za.group/agreement/html/en_US/1001762">T&amp;C apply</a>.
3. For example, with a deposit difference (HKD 300,000) between HKD between HKD 800,000 and HKD 500,000, calculated based on the High-rate Pot&rsquo;s highest savings rate of 5%, you can earn over HKD 1,200 more in savings interest for this month (rounded to the nearest hundred).
4. The Chill Pot interest rate includes the HKD Savings basic interest rate and reward rates. From 1 October 2024, the participants will get a 1.69% p.a. reward rate during the Campaign Period. In addition to the basic savings interest rate of 0.01% p.a., you can enjoy a total savings rate of 1.7% p.a. The above reward rates only apply to the Chill Pot balance of HKD 1,000,000 or below.&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001921">T&amp;C</a> apply.&nbsp;
5. According to the official websites of related banking in Hong Kong announced on 24 September 2024.
6. Use a savings amount of HKD 1,000,000 as an example, based on the annual interest rate of 1.7% for Chill Pot and 0.625% for other banks in Hong Kong, the difference in interest for a month of 31 days is over HKD 900 (rounded to nearest hundred)
7. The quest is valid from today until 31 Oct 2024 and is subject to&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001382">ZA Quest terms and conditions</a>.&nbsp;

Boost your savings with the higher rate and limit from Savings Pot🔥

【ZA Bank】Boost your savings with the higher rate and limit from Savings Pot🔥

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Did you know that your ZA Card is supported and enhanced by multiple ZA Bank App features? We included them so that you can spend more with less hassle and have a great experience at the same time! And best of all, some of them are brand-new or freshly updated! 😎
Check out these 5 features around ZA Card below that you absolutely MUST know about! 👇
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<h1 class="last-child" style="text-align: center;">🔍 Transaction Enquiry (New!)</h1>
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Hmm&hellip;You&rsquo;re looking through your spending record, and something doesn&rsquo;t seem quite right. You&rsquo;d like to learn more, but what should you do? 💭 Check out our latest and new Transaction Enquiry feature! Get detailed transaction information and advice to help you quickly resolve any card transaction issues that you may have. All you have to do to raise an enquiry is to go to the ZA Bank App homepage &gt; Activity &gt; Transaction Enquiry.
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<h1 class="last-child" style="text-align: center;">💰 Increased Daily Spending Limit (Updated!)</h1>
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This one is for all the shopaholics out there! 🛍️ We&rsquo;ve increased our ZA Bank users&rsquo; maximum daily spending limit up to HKD 300,000 for greater spending flexibility! There&rsquo;s nothing stopping you now from mega-sized or megabuck purchases, which means you can shop to your heart&rsquo;s content! ❤️
To adjust your spending limits, go to the ZA Bank App homepage, tap on Account &gt; ZA Card &gt; Manage Transaction. Afterwards, feel free to adjust your daily spending limit as you like! &nbsp;
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What&rsquo;s that wand sparkling away on the PowerDraw&sup1; page? Ah, that must be the 1% Guarantor&sup2;! 🌟 Just tap and use this magical tool for 88 ZA Coins, and get a guaranteed rebate of not less than 1% on one of your eligible purchases! As the 1% Guarantor can be redeemed once per hour, this means you can continually get back more for any ongoing shopping spree! 🤩
Go to the ZA Card page &gt; PowerDraw &gt; Items &gt; Guarantor. Afterwards, assuming you have made an eligible purchase, tap on one of the Sur-prize Boxes to get your rebate not less than 1%!
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Are you flying to someplace exotic? ✈️ Hold on a minute! Before you go, will you be spending or withdrawing cash with ZA Card overseas? What if your ZA Card transactions get blocked? 🤔 That&rsquo;s precisely why we included the Travel feature, so you can have a smoother spending experience abroad! &nbsp;
From the ZA Card page, tap on Travel &gt; Turn on the Travel button. Select the options for ATM Withdrawal and Card Spending, then input the country(ies)/region(s) you will be travelling to, and your travel period. Ta-da! You&rsquo;re good to go!
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Oh no, your ZA Card has gone missing! 😱 Before thinking about anything else, protect yourself quickly by freezing your ZA Card! That way, nobody can spend your ZA Bank account balance. From the ZA Card page, simply tap Lock card &gt; Confirm. There! Easy-peasy, your money is safe now! 😌
By the way, there are even more ZA Card features on the ZA Bank App if you&rsquo;re interested! 📱 With ZA Card at your side, you can be sure that you&rsquo;re getting a safe, convenient, and flexible spending experience that caters to all your spending needs！🤩
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1. &ldquo;PowerDraw&rdquo;: 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.&nbsp;<a title="https://bank.za.group/agreement/html/en_us/1000025" href="https://bank.za.group/agreement/html/en_US/1000025">Terms and conditions</a>&nbsp;apply.
2. &ldquo;PowerDraw&rdquo; Items: Participants can use ZA Coin to redeem "PowerDraw&rdquo; items or by completing specified spending quests to get "PowerDraw&rdquo; items under &ldquo;PowerDraw&rdquo; screen. Participants can check eligible quests under &ldquo;PowerDraw&rdquo; screen. Quests may vary. ZA Bank shall determine at its sole discretion whether an Eligible Transaction falls within the definition of and fulfils the specified spending quests, based on the transaction details defined by Visa or a merchant&rsquo;s acquiring bank, and is determined by ZA Bank at its sole discretion. The effect, redemption price and time limit for different &ldquo;PowerDraw&rdquo; items are different. Participants shall refer to the description of each &ldquo;PowerDraw&rdquo; item under &ldquo;PowerDraw&rdquo; screen for details.

5 must-know ZA Card features for spending! 💳

【ZA Bank】5 must-know ZA Card features for spending! 💳

In the digital age, safeguarding personal information is more crucial than ever. When you conduct transactions and entrust personal data to banks, do you know how banks collect, use, and protect your data? 🤔
In this blog post, we will cover the privacy settings in the ZA Bank App, our privacy policy, and how you can make informed choices about your data. 🔐
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Privacy principles embedded in the ZA Bank App
We prioritise your privacy and data security. We value transparency, and you are always in control of your data:
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1. Review your personal data
Your personal data is important to us. To ensure that the data we hold is accurate and up to date, you can quickly review and update your details at any time on the My Profile page in the ZA Bank App. 📝 That way, we can provide better banking services tailored to your needs.
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/d30190bd-cee4-4376-ad4b-c7ba5a727fc2/c05e145e-609e-4291-bfa1-69496781de09/EN (2).png" alt="">
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2. Transparent use of data
We are committed to using your personal data responsibly and will only use it with your consent or as permitted by law. When you open an account with us, we perform a "Know Your Customer" (KYC) check, a regulatory requirement that involves collecting essential identification and contact information to verify your identity.&nbsp;✅
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/d30190bd-cee4-4376-ad4b-c7ba5a727fc2/91c86b2d-438f-4d41-b3be-97abf97937e2/EN (3).png" alt="">
As you use our products and services, we may collect additional information to better understand your needs and manage our risks. For instance, when applying for a loan, we assess your financial situation to ensure responsible lending.&nbsp;No excessive personal data will be collected.
Learn more about how we handle your data at our complete&nbsp;<a href="https://bank.za.group/agreement/pdf/en_US/1000442" target="_blank" rel="noopener">Privacy Policy</a>&nbsp;and&nbsp;<a href="https://bank.za.group/agreement/pdf/en_US/1000378" target="_blank" rel="noopener">Personal Information Collection Statement</a>.
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3. 24x7 privacy options
Your choices matter. 💭 At ZA Bank, we respect your preferences regarding how your information is used. You can review and adjust your privacy settings on the Access Permissions page anytime. Before you enable any permissions, we will explain how they work. For example, if you allow access to your contact list, you can conveniently select friends for transfers directly from your contacts, making your banking experience smoother.
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/d30190bd-cee4-4376-ad4b-c7ba5a727fc2/0369232f-a04d-41fe-b12e-c52cfaa84fae/EN 1.png" alt="">
Want to receive updates on the latest promotions? 💌 You can manage your notification preferences under the Direct Marketing Notifications page. This flexibility ensures that you receive only the information that matters to you.
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/d30190bd-cee4-4376-ad4b-c7ba5a727fc2/ae2939d7-7d87-4c18-a9b2-35dea315117d/EN 2.png" alt="">
If you have friends who are also ZA Bank users, you can decide whether to enable the ZA Bank Friend Identifier in your settings. 👯&zwj;♀️ This feature allows you to connect effortlessly with others while giving you control over your privacy.
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/d30190bd-cee4-4376-ad4b-c7ba5a727fc2/e60fedc1-d3b0-4803-abf9-56c6607494cc/繁 (1).png" alt="">
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4. Exercising your privacy rights
We are committed to handling your data privacy requests in accordance with the law. If you have any questions about your privacy, please contact us at bank_dpo@za.group. 📧 Our Data Protection Officer is here to assist you and resolve any inquiries you may have.
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/d30190bd-cee4-4376-ad4b-c7ba5a727fc2/53642241-49b7-4689-83fb-e07b8a0a20e2/邮件.png" alt="">
Data protection tips
Here are some tips to further protect your personal information:
💡Never disclose your sensitive personal information (such as usernames, passwords, or one-time passwords) to anyone. Remember, our staff will never ask for this information through any means, including phone or email.
💡Avoid connecting to unreliable Wi-Fi networks. Using unsecured networks can expose your personal data. Always use mobile data when accessing the ZA Bank App.
💡Change your bank account password regularly.
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At ZA Bank, your privacy is our priority. We are dedicated to empowering you to manage your personal data and experience our banking services conveniently and securely! <span style="font-family: 'Segoe UI Emoji',sans-serif; mso-ascii-font-family: Aptos; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Aptos; mso-hansi-theme-font: minor-latin; mso-char-type: symbol-ext; mso-symbol-font-family: 'Segoe UI Emoji';">💚
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Privacy.  What you deserve, and how we protect you.

🟡：It&rsquo;s already August! Let me share with you some tips on earning ZA Bank&rsquo;s 8.8% p.a. savings rate!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/2bfdc688-9ca0-4944-acaa-f19c4f3d0f04/Pot table.png" alt="" width="588" height="300">
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Register for Salary+1 and enjoy up to&nbsp;8.8% p.a. HKD savings rate2! Earn up to&nbsp;HKD 6,115 in interest3! <a style="color: rgb(0, 210, 143);" href="https://bank.za.group/en/salary-plus" target="_blank" rel="noopener">Register now&gt;</a>
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<h2 style="text-align: center;">✨First payroll reward</h2>
Want to boost your salary? It&rsquo;s all within your control! 😎
You can receive a 3.59% p.a. HKD Savings Rate-up Coupon4&nbsp;within 90 days, after successfully registering for Salary+ and on receiving an Eligible Salary5&nbsp;of not less than HKD 8,000 at ZA Bank. On top of the basic interest rate of 0.1%6, you will enjoy a total&nbsp;HKD savings rate of 3.6% p.a.🎉
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<h2 class="last-child" style="text-align: center;">✨Payroll Reward for 3 consecutive months</h2>
After fulfilling the conditions of "First Payroll Reward" and receiving an Eligible Salary5 of a specified amount for extra 2 consecutive months (3 consecutive months in total, including the payroll for the "First Payroll Reward"), you will receive the corresponding reward as specified in the table below, and enjoy an up to 8.8% HKD savings rate🎉
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/119d2d7f-ba5a-4902-94cd-1b68ecada8ae/Salary+ table EN.png" alt=""><img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/e4ff978c-86fc-4533-a5f4-1e106a5bc392/blob" alt="" width="416" height="496"><img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/db32358c-a2b2-42a9-baff-c0044d007af4/Salary+ table EN.png" alt="">
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Savings Rate-up Coupon is applicable to a deposit amount of HKD 0 - 200,000 and valid for 90 days.
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/737a7be6-0677-43a5-8671-ed5ca99c5d52/blob" alt="" width="363" height="363">
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Work hard to earn money and save effortlessly! ZA Bank offers a simple way to set money aside from your daily expenses👐🏻
💳 Keep some cash in the savings account for everyday spending!
🐖 Store extra cash in the Savings Pot (a savings sub-account)7 to develop a good savings habits, whether it&rsquo;s for your loved ones, a goal, or a rainy day!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/c9db8d4f-7aeb-4070-a9f9-142a50e1e201/eDM 第2賺 EN.png">
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Create your High-rate Pot for the first time to enjoy up to an 8% p.a. HKD savings rate8&nbsp;and earn&nbsp;up to HKD 2,770 in interest9!
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🐖Exclusive reward rate for new users
We recommend everyone to have a Savings Pot &mdash;&mdash; it&rsquo;s a place to save, not spend! Users who successfully create their High-rate Pot for the first time will now enjoy a 2% p.a. reward rate10, which is valid for 15 days.
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👣Join the Walk to Earn Challenge
First in Hong Kong11! Join the limited-time Walk to Earn Challenge on or before 12 August 2024 and complete the challenges on or before 18 August 2024 to earn an extra 1% p.a. reward rate12, which is valid until the last day of this month.
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📱Get a higher rate with your daily transactions
Your everyday transactions, such as adding money, spending, investing, making bill payments, and currency exchange, can now be your rate-up buddies! Complete the designated challenges to earn up to a 4.99% p.a. reward rate13, which is valid until the last day of this month.
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/44fc3bde-3eb7-46d1-8275-cc713d69b7ce/Pot table EN.png" width="446" height="498">
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/7c1df643-33de-4434-b08b-35d6cf019ab2/How to join pot EN.png" alt="" width="368" height="368">
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Participate in the program above and earn&nbsp;over HKD 8,885 in interest!
Go to the ZA Bank App
Grow your savings right now🏃🏻&zwj;♀️💨
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1. "Salary+" Program: Programme commences from 1 July 2024 to 31 October 2024, both dates inclusive. Eligible participant must maintain a valid ZA Bank account opended with HKID and have not received any eligible salary through ZA Bank in the past 30 calendar days (excluding the date of registration) before registering for the program. Participant must register for the programme duing the programme period, and receive salary income within specified timeframe with the method specified by ZA Bank and fulfilling the conditions to receive the corresponding rewards of "First Payroll Reward" and "Payroll Reward for 3 consecutive months". Each Participant can only receive the above-mentioned reward once during the entire programme period.&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001819" target="_blank" rel="noopener">Terms and conditions&nbsp;</a>apply.
2. The interest rate included HKD savings basic interest rate, and the HKD savings rate-up coupon of &ldquo;First Payroll Reward&rdquo; and &ldquo;Payroll Reward for 3 consecutive months&rdquo;.
3. The above calculation assumes that the participant's monthly Eligible Salary is HKD 150,000, and after reaching the "First Payroll Reward", the participant will receive a 90-day 3.59% p.a. HKD Savings Rate-Up coupon, on top of the HKD savings basic interest rate of 0.01%, participant can enjoy a total of HKD Savings rate of 3.6% p.a. Participants who maintain HKD 200,000 in HKD savings account for 90 days can earn HKD 1,775 in interest. Participants who fulfilled the "Payroll Reward for 3 consecutive months" will receive a 90-day 8.79% p.a. HKD savings Rate-Up coupon, on top of the HKD savings basic interest rate of 0.01%, participant can enjoy a total of 8.8% p.a. HKD savings rate. Participants who maintain HKD 200,000 in HKD savings account for another 90 days can earn HKD 4,340 in interest. Participants can earn a total of HKD 6,115 in interest during the programme.
4. Savings rate-up coupon will take effect on the day of issuance automatically. Savings rate-up coupon is subject to its terms and conditions. Participants should reference to the relevant&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001245" target="_blank" rel="noopener">terms and conditions</a> before use.
5. Eligible Salary: Participants' employer to have his/her monthly salary credited into his/her ZA Bank account via FPS ("Faster Payment System&rdquo;) with purpose type as &ldquo;Salary and Benefits Payment&rdquo;. Deposit of monthly salary through transfer deposit, remittance, local CHATS or standing instruction will not be considered as Eligible Salary. All Eligible Salary transaction records are determined according to ZA Bank&rsquo;s record. In the event of any dispute, the decision of ZA Bank shall be final and conclusive.
6. The above interest rate is effective on 4 August 2024. It is subject to change as per prevailing market conditions.
7. Savings Pot is your savings sub-account. Savings deposits in the sub-account are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.
8. Users who successfully create the High-rate Pot for the first time in August 2024 can enjoy an 2% p.a. reward rate, complete the limited-time Walk to Earn Challenge to get a 1% p.a. reward rate, complete all designated challenges of High-rate Pot to get reward rates of up to 4.99% p.a. in total. As such, you can enjoy a total savings rate of 8% p.a. when including the HKD savings basic interest rate of 0.01%. The reward rates obtained from each promotion campaign are determined by each of the Terms and Considtions.
9. The above calculation: Assume that the participant has successfully created the High-rate Pot for the first time in August 2024 and get 2% p.a. reward rate. At the same time, the participant always maintains a High-rate Pot balance of HKD 500,000 for 15 days to earn over HKD 410 in interest. Assume that the participant starts participating in the "Walk to Earn" from 8 August 2024, completes the "Entry Challenge" on 10 August 2024 to get a 0.3% reward rate, and completes the "Beginner Challenge" on 14 August 2024 to get a 0.7% reward rate. At the same time, the participant always maintains a High-rate Pot balance of HKD 500,000 until 31 August 2024 to earn over HKD 260 in interest. Assume that the participant has completed the designated challenges early this month. Get 1.2% p.a. by completing Spending Challenge, get 1% p.a. by completing FX Challenge, get 1% p.a. by completing Investment Challenge, get 0.59% p.a. by completing Payment Challenge on 1 August 2024. Get 1% p.a. by completing 1.2% p.a. by completing Add Money Challenge on 2 August 2024. At the same time, the participant always maintains a High-rate Pot balance of HKD 500,000 until 31 August 2024 to earn over HKD 2,100 in interest when including the HKD savings basic interest rate of 0.01%. Participants can earn a total of up to HKD 2,770 in interest during the programme.
10. From now until 31 August 2024, users who successfully create the High-rate Pot for the first time can enjoy an extra 2% p.a. reward rate, valid for 15 days. The reward rate only applies to the High-rate Pot balance of HKD 500,000 or below. <a href="https://bank.za.group/agreement/html/en_US/1001761" target="_blank" rel="noopener">Terms and conditions&nbsp;</a>apply.
11. First in HK: As of 25 July 2024, according to the information published on the official websites of 27 retail banks in HK, ZA Bank is the first bank to offer a promotion where you can earn interest by walking. Please refer to the ZA Sports Festival <a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details.
12. Participants of "Walk to Earn" must open the High-rate Pot and authorise the ZA Bank App to access to and retrieve the Actual Steps data after completing the registration on &ldquo;Walk to Earn&rdquo; page. &nbsp;After successfully registered for the game, Participants will receive corresponding challenge reward rate and Sports Cards on the day of completing the challenge, upon completion of the designated challenges from the date of registration until 18 August 2024. After completing the "Beginner Challenge" and "Advanced Challenge", Participant can receive a maximum of +1% p.a. challenge reward rate, which is applicable to HKD 500,000 or below balance in the High-rate Pot, and valid from the Completion Date to 31 August 2024. Please refer to the ZA Sports Festival <a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details.
13.From now until 31 August 2024, you can get reward rates of up to 4.99% p.a. in total by completing all designated challenges of High-rate Pot. The reward rates obtained by completing designated challenges are valid from the day you receive them and will expire on the last day of the month. Spending Challenge also applies to ZA Credit users. To borrow or not to borrow? Borrow only if you can repay! Investment involves risks.&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001613" target="_blank" rel="noopener">Terms and conditions</a>&nbsp;apply.
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Important risk statement
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.
Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from ZA Bank! Should you have any doubts regarding the identities of the message senders or authenticity of the messages, please call us at (852) 3665 3665 for verification. &nbsp;

📆 Boost your salary in August now! 🤑

【ZA Bank】📆 Boost your salary in August now! 🤑

By now, you probably know spending with ZA Card lets you participate in PowerDraw1! After making an eligible transaction, you will receive one PowerDraw chance to earn rewards🤩! And to win even more rewards, you must use PowerDraw Items!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/75a7efd9-6314-41d1-9139-e5046bbb4d62/1357fcf7-37a2-48be-a811-16740e527c16/Group 1410105374 (2).png" alt="" width="120" height="118">
Among these items, the&nbsp;1% Guarantor2 (redeemable with 88 ZA Coins) has been a fan favourite, guaranteeing at least a 1% rebate. ZA Card fans will be delighted to know that it&rsquo;s now upgraded from one redemption per day to one redemption per hour (up to 24 times a day) allowing you to earn even more rebates!
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Don&rsquo;t miss out on the other PowerDraw Items!
Aside from the 1% Guarantor, there are two other PowerDraw Items available for you to earn even more rewards, putting you ahead of the competition:
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/75a7efd9-6314-41d1-9139-e5046bbb4d62/69147548-b233-4cae-9cc9-a5cf8d4191cb/Group 1410105374.png" alt="" width="100" height="108">
Eliminator2 Remove one box from the PowerDraw machine to clear all Sur-prize Boxes faster for a &ldquo;MillionTix&rdquo;3! (redeemable with 8 ZA Coins)
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/75a7efd9-6314-41d1-9139-e5046bbb4d62/0962757d-7806-434e-bbd5-fe4ffa013632/Group 1410105374 (1).png" alt="" width="100" height="112">
Scanner2 Use this item to reveal the reward type inside a column of Sur-prize Boxes! Now, choose your favourite reward!&nbsp; (redeemable with 200 ZA Coins)
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 What are you waiting for? Go to the ZA Bank App &gt; Account &gt; ZA Card &gt; PowerDraw now and redeem PowerDraw Items to earn rebate rewards!
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 Remarks: This also applies to ZA Credit users. To borrow or not to borrow? Borrow only if you can repay!
1&ldquo;PowerDraw&rdquo;: 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. <a href="https://bank.za.group/agreement/html/en_US/1000025" target="_blank" rel="noopener">Terms and conditions</a> apply.
2&ldquo;PowerDraw&rdquo; Items: Participants can use ZA Coin to redeem "PowerDraw&rdquo; items or by completing specified spending quests to get "PowerDraw&rdquo; items under &ldquo;PowerDraw&rdquo; screen. Participants can check eligible quests under &ldquo;PowerDraw&rdquo; screen. Quests may vary. ZA Bank shall determine at its sole discretion whether an Eligible Transaction falls within the definition of and fulfils the specified spending quests, based on the transaction details defined by Visa or a merchant&rsquo;s acquiring bank, and is determined by ZA Bank at its sole discretion. The effect, redemption price and time limit for different &ldquo;PowerDraw&rdquo; items are different. Participants shall refer to the description of each &ldquo;PowerDraw&rdquo; item under &ldquo;PowerDraw&rdquo; screen for details.
3&ldquo;MillionTix&rdquo;: 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 <a href="https://bank.za.group/agreement/html/en_US/1000687" target="_blank" rel="noopener">terms and conditions</a>.

Update: Redeem the 1% Guarantor x1 per hour!

Introducing our exciting new event: ZA Sports Festival1, which includes the innovative Walk to Earn2&nbsp;program &ndash; where you can earn savings interest like never before in Hong Kong3. ☀️ This summer, we invite you to join the sports frenzy and earn fabulous rewards by simply getting your steps in! 👣
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Walk to earn tickets for 2 to Paris
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Want to go to Paris without spending money to earn miles? You can do it just by walking! 🚶🏻 Join the ZA Sports Festival and start stepping - you could win rewards, including round-trip tickets for two to Paris4! 😍
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👣 Get your steps in! 👣 Participate in the following ZA Sports Festival activities to convert your actual steps into activity steps, or get a Sports Card5 and flip the card to get activity steps!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/3e74b9bf-c34b-417e-8220-3b402d3a0069/368ba2b3-9578-4ceb-9ccc-469362a5ba08/奖励组合.png" alt="" width="164px" height="160px">
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🚶🏻Walkathon6
Authorise us to read your step count and convert up to 20,000 actual steps per day into activity steps. The more you walk, the more activity steps you can accumulate!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/3e74b9bf-c34b-417e-8220-3b402d3a0069/031cd676-dac8-4c00-8501-2bda276114f6/轉發圖.png" alt="" width="160px" height="160px">
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🤺 Fencing7
Battle by answering questions around ZA Bank and financial literacy. The faster you answer correctly, the more steps you'll get!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/3e74b9bf-c34b-417e-8220-3b402d3a0069/dc8130e4-46e6-478c-9b17-d510dbc2dca6/馬拉松.png" alt="" width="160px" height="160px">
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🏃🏻 Marathon8
Run and collect strength points! The higher your strength, the more steps you'll get!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/3e74b9bf-c34b-417e-8220-3b402d3a0069/6c4f4d2c-3ca5-44c1-b8c1-ee17d33996ab/Za.png" alt="" width="160px" height="160px">
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🎯&nbsp;ZA Quest9
Complete designated quests for extra steps and more!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/3e74b9bf-c34b-417e-8220-3b402d3a0069/dd42bdfa-3a79-4c60-b2be-6d1d07b1cecf/%E6%AD%A5%E6%AD%A5%E7%94%9F%E6%81%AF.png" alt="" width="160px" height="160px">
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💰 Walk to Earn
Complete the fitness challenges to earn an extra 1% p.a.2! Keep reading to find out how! 👀
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💡Warm reminder: You can also receive activity steps through transfers from friends10&nbsp;or redeeming a lai see code11.
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🎁 Earn rewards with just one step! 🎁
Complete any ZA Sports Festival activity and you'll be rewarded! The more total activity steps you accumulate, the higher your ranking, and the more exciting your rewards!
<img style="max-width:100%" style="max-width: 100%;" src="https://mcusercontent.com/b7b6400c23a116f071f9a0885/images/918538dc-abfd-32b8-f432-3a6b3e02b648.png">
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Walk to earn up to extra 1% savings rate! First in HK2: Grow your money simply by walking! 🆙 Starting today until 12 August 2024, register on the Walk to Earn page and complete the following fitness challenges before 18 August 2024 to earn up to +1% p.a. savings rate! 💰 <img style="max-width:100%" style="max-width: 100%;" src="https://mcusercontent.com/b7b6400c23a116f071f9a0885/images/82494d42-c007-47d6-5c5c-a370fa3383f9.png">
💡Warm reminder: By completing the Walk to Earn challenges, you can also earn up to 20,000 ZA Sports Festival activity steps, bringing you one big step closer to Paris!
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Lace up your sneakers, stretch your legs, and get ready to embark on an exhilarating journey filled with fun, fitness, and fantastic rewards. Log into the&nbsp;ZA Bank App to learn more now! 📲
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1. &ldquo;ZA Sports Festival&rdquo;: The Campaign Period of ZA Sports Festival is from 26 July 2024 to 12 August 2024 (both dates inclusive). There are 4 games in the Campaign, which are &ldquo;Walkathon&rdquo;, &ldquo;Fencing&rdquo;, &ldquo;Marathon&rdquo;, and &ldquo;Walk to Earn&rdquo;. The &ldquo;Total Activity Steps&rdquo; will be derived from the sum of all Activity Steps gained from flipping the Sports Cards and &ldquo;Walkathon&rdquo;. Each Participant will be ranked according to his or her &ldquo;Total Activity Steps&rdquo;. Participants with the same &ldquo;Total Activity Steps&rdquo; will be ranked in the order of the time they earned the Activity Steps, and those who earned the same amount of Activity Steps earlier will have a higher ranking. After the end of the Campaign Period, ZA Bank will announce the Campaign result at 10:00 a.m. on 13 August 2024. Participants will receive the rewards according to their rankings. ZA Sports Festival is subject to its&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> apply. 
2. &ldquo;Walk to Earn&rdquo;: Participants must open the High-rate Savings Pot (&ldquo;High-rate Pot&rdquo;) and authorise the ZA Bank App to access to and retrieve the actual steps data after completing the registration on &ldquo;Walk to Earn&rdquo; page. After successfully registered for the game, Participants will receive corresponding challenge reward rate and Sports Cards on the day of completing the challenge, upon completion of the designated challenges from the date of registration until 18 August 2024. After completing the &ldquo;Beginner Challenge&rdquo; and &ldquo;Advanced Challenge&rdquo;, Participant can receive a maximum of +1% p.a. challenge reward rate, which is applicable to HKD 500,000 or below balance in the High-rate Pot, and valid from the Completion Date to 31 August 2024. Please refer to the ZA Sports Festival&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details. 
3. As of 25 July 2024, according to the information published on the official websites of 27 retail banks in Hong Kong, ZA Bank is the first bank to offer a promotion where customers can earn interest by walking. Please refer to the ZA Sports Festival&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details. 
4. The "Paris Round-Trip Flight Ticket Certificate x 2" is subject to its terms and conditions. Participants should refer to the relevant terms and conditions before use. Flight ticket certificate is provided by Travel Expert Online Limited (&ldquo;Travel expert&rdquo;) and is subject to its terms of use, including but not limited to services, products, prices, expiry date and terms of use provided by Travel Expert. Please refer to the relevant terms and conditions for details or check with Travel Expert. ZA Bank will not be responsible for any unsuccessful use of the specific flight ticket certificate. 
5. &ldquo;Sports Card&rdquo;: If the Participant fails to flip a card and claim the Activity Steps on ZA Sports Festival page before 11:59 p.m. on 12 August 2024, the Sports Card will be deemed forfeited, and ZA Bank will not reissue any Activity Steps. 
6. &ldquo;Walkathon&rdquo;: Participants should authorise the ZA Bank App to access to and retrieve the actual step count data from Participants&rsquo; devices. Participants should log into the ZA Bank App to synchronise the actual steps data during the Campaign Period of ZA Sports Festival. ZA Bank will convert actual steps into Activity Steps for Walkathon. Any actual steps obtained by all Participants beyond the Campaign Period will not be recorded in this Campaign. Each Participant can obtain a maximum of 20,000 Activity Steps in Walkathon per day. The daily cap is refreshed every day at 00:00 Hong Kong time (GMT+8). ZA Bank reserves the right to make a final decision on the number of Activity Steps Participants obtain in Walkathon. Please refer to the ZA Sports Festival&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details. 
7. &ldquo;Fencing&rdquo;: Each Participant has 1 game chance per day during the Campaign Period of ZA Sports Festival. Each Participant can obtain extra game chances by taking designated actions. Participants will receive a Sports Card after completing each game. Participants will gain corresponding Activity Steps by flipping the Sport Card. Please refer to the ZA Sports Festival&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details. 
8. &ldquo;Marathon&rdquo;: Each Participant has 1 game chance per day during the Campaign Period of ZA Sports Festival. Each Participant can obtain extra game chances by taking designated actions. Participants will receive a Sports Card after completing each game. Participants will gain corresponding Activity Steps by flipping the Sport Card. Please refer to the ZA Sports Festival&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details. 
9. ZA Quest is subject to its&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1000258" target="_blank" rel="noopener">terms and conditions</a>. 
10. Participants can transfer or request Sports Cards from friends during the Campaign Period of ZA Sports Festival. If a Sports Card has been flipped to claim the Activity Steps, the receiver will not be able to obtain any Activity Steps from this card. 
11. Lai See code is subject to its&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1000448" target="_blank" rel="noopener">terms and conditions</a>. 
12. ZA Bank is not the supplier of the rewards of "Apple Watch Ultra 2" and &ldquo;Samsonite Minter Black (55 cm)&rdquo;. ZA Bank does not guarantee the quality of these rewards and will not assume any legal responsibility in any other aspect. 
13. The &ldquo;14.9% p.a. 1-month HKD Time Deposit New Funds Rate-up Coupon&rdquo; and &ldquo;9.9% p.a. 1-month HKD Time Deposit New Funds Rate-up Coupon&rdquo; applies to a deposit amount of HKD 1 &ndash; 100,000 with a tenor of 1 month. Time Deposit New Funds Rate-up Coupon is subject to its&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1000583" target="_blank" rel="noopener">terms and conditions</a>. 
14. The conditions of use of the &ldquo;Spending Coupon&rdquo; (including but not limited to spending amount, spending method, spending category, rebate amount, rebate limit and term of validity of Spending Coupon) shall be based on the contents displayed on the Spending Coupon and subject to its&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001618" target="_blank" rel="noopener">terms and conditions</a>. 
15. &ldquo;MillionTix&rdquo; is subject to its&nbsp;<a href="https://cdn.zaticdn.com/if/ipage/prd/data/agreement/en_US/1000687.html?v=2767104" target="_blank" rel="noopener">terms and conditions</a>.
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ZA Sports Festival - Earn steps for rewards! 👣

The Rise of Digital Banking 
The digital banking market in Hong Kong is experiencing rapid growth with the accelerated digitisation of financial services. According to HKMA's 2023 Report<span style="background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">^, there has been a significant increase in the adoption and acceptance of digital banks. Among digital banks, the number of virtual bank users alone grew by 20% in 2023, indicating a strong market demand for digital banking services<span style="background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">#.
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Our Achievements 
In just four years since our establishment, we have consistently outperformed our peers in terms of customer base and deposits, becoming Hong Kong&rsquo;s No.1 Digital Bank*. Through our proprietary systems and technologies such as AI, we have transformed the traditional banking business model, improved operational efficiency, and continuously led the transformation of digital finance.
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Global Recognition 
Our efforts have recently received recognition from different international media outlets: 
<ul style="list-style-type: circle;">
<li>First Hong Kong bank to receive the "Rising Star" accolade in the globally renowned "Awards for Excellence" by Euromoney, one of the world&rsquo;s esteemed accolades in the financial industry. ZA Bank is the only Hong Kong corporate to receive "Rising Star", while it is presented in only four countries or regions out of more than 25. </li>
<li>Consecutively awarded the "Virtual Bank of the Year - Retail Banking" title in the respected "Triple A Digital Awards" by The Asset, demonstrating excellence in the digital banking sector. </li>
<li>Recognised with the "SME Digital Innovation of the Year - Hong Kong" Award by Asian Banking &amp; Finance for the Bank&rsquo;s e-onboarding account opening service and support for digitising banking products and services for SMEs. </li>
</ul>
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Future Outlook 
We will continue to focus on technological innovation, driving the development of digital financial services, and providing users with more competitive and innovative financial solutions. Digital banks will play an increasingly important role in the global financial market, and we are committed to leading this transformation as "Your Future Bank for Now".
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&nbsp; 
&nbsp;Remarks: 
<span style="font-family: 'Noto Sans HK', sans-serif; color: rgb(17, 17, 17); background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">* As the first digital bank (also known as "virtual bank") to launch in Hong Kong, ZA Bank had the highest number of users and customer deposits among the city's eight digital banks by the end of 2023. (Source: Annual reports of 8 digital banks.)
<span style="font-family: 'Noto Sans HK', sans-serif; color: rgb(17, 17, 17); background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">^ <a href="https://www.hkma.gov.hk/eng/news-and-media/press-releases/2023/07/20230712-3/">Hong Kong Monetary Authority (HKMA) report, 2023.</a> ↩
<span style="font-family: 'Noto Sans HK', sans-serif; color: rgb(17, 17, 17); background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"># Source: <a href="https://www.scmp.com/business/banking-finance/article/3261463/hong-kongs-monetary-authority-replace-virtual-bank-licensed-digital-bank-boost-public-confidence">SCMP</a>

Leading the financial transformation and achieving global recognition

Here’s our Business Banking welcome offer! 🎁

Remember that piggy bank from your childhood&nbsp;🐷? You probably saved up just for a pack of cold noodles 🍜, a pop-out pencil case ✏️ or a Pok&eacute;mon Trading Card 🎮&hellip;
Growing up means upgrading your piggy bank too! ZA Bank debuted Savings Pot1 with a clear goal in mind: It lets you withdraw funds anytime for emergencies, while also earning you interest over time 💚
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👇 Let's see how everyone shines with Savings Pot 👇
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👤⭐⭐⭐⭐⭐
Let Savings Pot turn idle money into productive fun ⏰
"I&rsquo;m a user of ZA Bank's investment fund services. When I'm undecided about my next investment move, I put my funds in the savings pot. It's a fantastic savings sub-account that allows you to withdraw funds anytime and offers an attractive savings rate, making it an excellent way to put my idle money to good use!"&nbsp;
#Idle money = ready, set, earn
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👤⭐⭐⭐⭐⭐
Build a budget to travel on the terms with Savings Pot ✈️
"Since my college days, I've made it a habit to save for travel. However, after entering the workforce, I repeatedly withdrew the travel funds from the time deposit in advance, only to have my trips cancelled due to work commitments. I came across ZA Bank's Savings Pot and decided to transfer all my travel funds into it to earn interest. Now, I have the flexibility to withdraw the money whenever I have the chance to travel. My Savings Pot's background represents my upcoming destination - Morocco!"
#Secure your finances with high-interest savings
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👤⭐⭐⭐⭐⭐
Plant the seed of saving in 5-year-old son with Savings Pot 🤓
"During Chinese New Year, my son was showered with lai see! But carrying cash is a big no-no. So I promised to help him save money in Savings Pot. I even personalised it with his photo, he couldn't be happier! Now, he always smiles when he sees the monthly interest income grow. It's a fun way for him to understand the importance of saving!"
#A customised Savings Pot for you
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👤⭐⭐⭐⭐⭐
Wave goodbye to the paycheck-to-paycheck lifestyle with Savings Pot 🌙
"Despite working for two years after graduation, I failed to save a dime! This year, I made a firm resolution to cultivate a saving habit. Thanks to Savings Pot, I can manage my spending and savings separately, ensuring I can withdraw money when needed. The thought of the monthly interest income I can earn with my Savings Pot fuels my motivation to keep saving!"
#Draw clear boundaries between expenses and savings
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Savings Pot &mdash;&nbsp;Somewhere to save, not spend!
High-yield, easy savings.
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<hr>
1. Savings Pot is your savings sub-account. Savings deposits in the sub-account are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.

A piggy bank of shared memories

A piggy bank 🐷 of shared memories

Did you know that the ZA Bank App was designed for your convenience and to be easy to use? 🤔 We&rsquo;ve sprinkled in all kinds of shortcuts in the ZA Bank App so you can get around quickly and easily! 🏃 Check out some of them below!
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<h2 class="last-child" style="text-align: center;">💸 Transfer Button: Slide or tap!</h2>
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/50c8e3d9-aa78-4eaf-8ed1-fa9b23b98a8c/d6556809-9ce7-40c6-a4d8-d068d30819d3/GIF (Transfer) EN.gif">
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You&rsquo;ve probably seen the yellow button on the ZA Bank App homepage on the right. You also probably know that sliding it upwards will immediately take you to the Transfer page. But did you know that you could tap it to enter an alternate button mode as well? 😮
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Try it out now &ndash; slide or tap to transfer or add money via your ZA Bank account!
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<h2 class="last-child" style="text-align: center;">🚀 Manage your widgets and shortcuts!</h2>
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/50c8e3d9-aa78-4eaf-8ed1-fa9b23b98a8c/cf1cfeaa-8cd0-4f8b-8d0d-9fa88f019083/GIF EN (Widget).gif">
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Would you like to quickly access and view information about your Deposit Balance, Monthly Spending or ZA Coin balance? 😊 If so, feel free to customise your widgets by following the steps below!
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<ol class="last-child">
<li>
Go to the shortcuts section on the ZA Bank App homepage.
</li>
<li>
Keep on swiping from right to left until the very end.
</li>
<li>
Ta-da! You&rsquo;ve arrived at the Widgets page! Pick and choose the ones you like!
</li>
</ol>
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/50c8e3d9-aa78-4eaf-8ed1-fa9b23b98a8c/6759c8be-6bc0-4d81-8be0-9c27c313b4e9/GIF EN (2).gif">
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In addition, you can personalise your shortcuts section to quickly access the features you need, such as Currency Exchange, ZA Card, Lai See, and more!
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<ol>
<li>
Tap on &ldquo;All&rdquo; on the ZA Bank App homepage in the shortcuts section.
</li>
<li>
Tap on &ldquo;Manage&rdquo;.
</li>
<li>
There you have it&hellip;You&rsquo;re on the Shortcuts page! Add or remove the available shortcuts!
</li>
</ol>
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<h2 class="last-child" style="text-align: center;">👋 Screen-Edge Gestures (for iPhone users)</h2>
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/50c8e3d9-aa78-4eaf-8ed1-fa9b23b98a8c/b932e764-ce2f-4671-8a1e-2ab99694bc53/GIF EN (4).gif">
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Calling all iPhone and Apple lovers! You&rsquo;ll be delighted to know that you can use iOS screen-edge gestures for the ZA Bank App! 🙌 Now you can just swipe from left to right to return to the previous app page!
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<hr>
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As you can see, the ZA Bank App is full of surprises and small delights that you may or may not have experienced so far. 💡 Be sure to check out our next email! We&rsquo;ll have more features and tips waiting for you! 😆

App shortcuts with a human touch! 📱👋

【ZA Bank】App shortcuts with a human touch! 📱👋

Have you been using your ZA Card like a pro to buy books, clothes, and everything else that&rsquo;s wonderful in your life from online retailers <span lang="EN-US" style="font-size: 12.0pt; line-height: 107%; font-family: 'Segoe UI Emoji',sans-serif; mso-ascii-font-family: DengXian; mso-fareast-font-family: DengXian; mso-hansi-font-family: DengXian; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-char-type: symbol-ext; mso-symbol-font-family: 'Segoe UI Emoji';">📕🧥🎁? Or do you still feel like a newbie?
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Never fear! We have two GREAT topics that we&rsquo;ll be covering today below! That way, you can be sure that ZA Card&rsquo;s security features are here for you, and you can always shop with peace of mind!
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<hr>
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<h2 class="last-child" style="text-align: center;">&nbsp;</h2>
<h2 class="last-child" style="text-align: center;">✔ Better layout, better peace of mind</h2>
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/fdd1db86-c8c3-4964-b573-3e4bf9ab747a/ac60f0b2-29fd-4ca6-9520-e3528134aafd/1-EN (2).png" alt="" width="1200" height="858">
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Ta-da! 🎉 We&rsquo;ve given the ZA Card page in the ZA Bank App a fresh makeover! The four main security functions around your ZA Card spending are now grouped together as ZA Defense. To check out the new layout, go to the ZA Bank App &gt; Account &gt; ZA Card, and you&rsquo;re there!
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What is ZA Defense? 🧐
ZA Defense provides all-around protection for your spending, whether you need to lock your ZA Card, manage your transaction limits, enable smoother transactions when you&rsquo;re holidaying overseas, or verify unknown and possibly dodgy transactions! After all, your safety is our top concern, and we&rsquo;ve got your back at every step of your transactions! &nbsp;
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Extra tip 🔧
Don&rsquo;t like nosy people looking over your shoulder? When you&rsquo;re browsing the ZA Card page and getting the card details, we will automatically hide your ZA Card number, expiry date and CVV after 30 seconds.
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<hr>
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<h2 class="last-child" style="text-align: center;">✔ View your past transactions&hellip; in detail!</h2>
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/fdd1db86-c8c3-4964-b573-3e4bf9ab747a/a26d3156-6a2d-41d1-a929-66344402bdf0/2-EN (2).png" alt="" width="1200" height="880">
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&nbsp;
Hmm, when did I initiate this transaction? 🤔 Why don&rsquo;t I recognise the name of this company that I recently spent money at? What was this payment for?
&nbsp;
If you&rsquo;re asking questions like this, we&rsquo;ve got just the thing for you! Go to the Activity section on the homepage &gt; Either choose the date or scroll down to view a transaction &gt; Tap to expand the transaction notification &gt; Tap again on the arrow to the right, and you&rsquo;ll be able to view a particular transaction under the Transaction Details page! 👌
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Extra tip 🔧
Recurring transactions are authorised transactions for regular payments like memberships and subscriptions. To identify a recurring transaction, you can refer to the Spending Channel under the Transaction Details page.
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<hr>
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That&rsquo;s all for our message, folks! Now you can get back to shopping online securely with your ZA Card! 💪

Security tips 🛡️: Spending online with ZA Card!

【ZA Bank】Security tips 🛡️: Spending online with ZA Card!

Did you know that you can bind your ZA Card to a digital wallet, so that it&rsquo;s more convenient for you to spend in physical stores or online? 🤔 We&rsquo;ve prepared a few practical instructions for you, so you can easily bind your ZA Card to the digital wallets below in a few steps!💡
&nbsp;
<h2 class="MsoNormal">Apple Pay</h2>
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<span style="font-size: 11.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-HK; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA;">Go to ZA Bank App &gt; Account &gt; ZA Card page and then tap &ldquo;Add to Apple Wallet&rdquo; button. Afterwards, please follow the instructions to add your ZA Card.
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/539f325f-0372-47d2-88da-754a8313564c/8b748859-8170-4be4-8e02-91d71742f9aa/1.Apple Pay-EN.jpg" alt="" width="1272" height="777">
&nbsp;
&nbsp;
iPhone
1. Open the Wallet App
2. Tap the plus &ldquo;+&rdquo; sign at the top right corner, then select &ldquo;Debit or Credit Card&rdquo;
3. Follow the instructions to finish verifying your ZA Card
&nbsp;
&nbsp;
Apple Watch
1. Open the Apple Watch app on your iPhone
2. Tap &ldquo;Wallet &amp; Apple Pay&rdquo; and select &ldquo;Add Card&rdquo;
3. Select &ldquo;Add Credit or Debit Card&rdquo; and follow the instructions to finish verifying your ZA Card
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<h2 class="MsoNormal">WeChat Pay</h2>
&nbsp;
Hong Kong, China Wallet
1. Open WeChat App and tap &ldquo;Me&rdquo; &gt; &ldquo;Service&rdquo; 
2. Tap &ldquo;Bank Cards&ldquo; &gt; &ldquo;Add Bank Card and Bank Account&rdquo; &gt; &ldquo;Add Bank Card&rdquo;, and input WeChat Password
3. Enter your ZA Card information, and follow the instructions to complete the binding process
&nbsp;
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/539f325f-0372-47d2-88da-754a8313564c/dd01d28d-66d9-4ca5-b2f9-85000f8edf49/2.Wechat Pay-EN.jpg" alt="">
&nbsp;
&nbsp;
<h2 class="MsoNormal">Google Pay</h2>
&nbsp;
You can add ZA Card to the Google Pay app on your mobile device:
1. Open the Google Pay app and tap &ldquo;Add payment card&rdquo; 
2. Tap &ldquo;New credit or debit card&rdquo;
3. Enter your ZA Card information, and follow the instructions to complete the binding process
&nbsp;
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/539f325f-0372-47d2-88da-754a8313564c/20626017-ed69-4771-bc3f-68917fdfa4c8/3.Google Pay-EN.jpg" alt="" width="1272" height="777">
&nbsp;
&nbsp;
<h2 class="MsoNormal">PayPal</h2>
&nbsp;
1. Open the PayPal mobile application and tap &ldquo;Wallet&rdquo;
2. Tap &ldquo;Add new&rdquo; next to &ldquo;Banks and cards&rdquo; &gt; &ldquo;Debit and credit card&rdquo;
3. Enter your ZA Card information, and follow the instructions to complete the binding process
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/539f325f-0372-47d2-88da-754a8313564c/e95a743c-31f1-43ab-a507-1b11ebeda87a/4.Paypal-EN.jpg" alt="" width="1272" height="777">
&nbsp;
<hr>
&nbsp;
Important note!
Please safeguard your ZA Card information (e.g. card number, CVV and expiry date), devices and authentication factors (e.g. PINs, authentication tokens) and do not disclose it to anyone (including our staff) to prevent your ZA Card and information from being stolen!

Tips: How to add your ZA Card to digital wallets📱

【ZA Bank】Tips: How to add your ZA Card to digital wallets📱

&nbsp;
The recent rise in online scams has heightened concerns over the security of online finances among consumers, who are even becoming sceptical of e-banking. In fact, banks in Hong Kong are considerably capable in terms of risk management and IT security. ZA Bank is one of the local banks that has developed its own proprietary systems to safeguard its users&rsquo; money.
&nbsp;
Over the past 4 years since our launch, we have been introducing and optimising various fintech tools. Our Regtech, risk control and IT security systems are now at their 3rd generation 🚀. We have incorporated around 20 digital solutions, nearly half of which were developed in-house, including the real-time fraud detection solution &ldquo;X Decision&rdquo; and a back-end anti-fraud management system. All systems operate 24x7 to protect our users&rsquo; assets.
&nbsp;
&nbsp;
<h2 class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; layout-grid-mode: char; mso-layout-grid-align: none;">🎯Enhanced risk control and anti-fraud capabilities</h2>
&nbsp;
Based on internal data1, we have delivered nearly 4x better performance in real-time transaction monitoring and anti-fraud decision-making compared to our early days:
&nbsp;
<ul>
<li class="MsoListParagraphCxSpFirst" style="text-align: justify; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The number of transactions screened in real time has reached 100,000 per day🔍</li>
<li class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Our system can analyse and process around 10 transactions per second on average👨🏻&zwj;💻</li>
<li class="MsoListParagraphCxSpLast" style="text-align: justify; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Anti-fraud decision-making can be done in as fast as 40 milliseconds⏱️</li>
</ul>
&nbsp;
Between July 2022 and June 2023 alone, we have successfully used network analytics to detect suspicious financial activities involving about HKD 4 billion&sup2;.&nbsp;
&nbsp;
We also have a security feature designed specifically for ZA Card: &ldquo;ZA Verify&rdquo; 🛡️. A risk control scoring model for card transactions was developed in-house by analysing users&rsquo; card transactions and behavioural data. The system scores each transaction and rejects high-risk transactions, while medium-risk transactions will trigger ZA Verify. Users will be asked to confirm or reject a ZA Card transaction via the ZA Bank App whenever the system identifies a risk, making card spending a safer experience. According to a Card Association report, the full-year fraud amount of ZA Card in 2021 was 15 times lower than the industry average in Hong Kong ✅.
&nbsp;
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ca357916-0d9a-48e2-9c25-a0fb5d8fd087/6e2a6948-7258-4f95-be9b-a4743737691e/ZA-Verify-EN.png" alt="" width="1200" height="800">
&nbsp;
If users have lost their ZA Card or suspect that card information has been leaked, they can lock their card in the ZA Bank App anytime.
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ca357916-0d9a-48e2-9c25-a0fb5d8fd087/a0c116f7-51e3-4f4a-947a-ffa84aa02406/ZA-Card-lock-card.png" alt="" width="1200" height="800">
&nbsp;
&nbsp;
<h2 class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; layout-grid-mode: char; mso-layout-grid-align: none;">🏆Growing trust in society with multiple security-related awards</h2>
&nbsp;
Our tireless efforts and achievements have earned third-party recognition. We recently received the annual &ldquo;Good Organisation Award&rdquo; presented by the Hong Kong Police Force at the &ldquo;Good Citizen Award Presentation Ceremony 2023&rdquo;. ZA Bank was the only bank to be awarded in this category this year and the first local digital bank to receive the award. We have also bagged the &ldquo;Effective Regtech Application Award&rdquo; at another ceremony hosted by the Police. These are a testament to our outstanding performance in safeguarding users' assets and preventing risks associated with money laundering and fraud with our proprietary systems.
&nbsp;
&nbsp;
<h2 class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; layout-grid-mode: char; mso-layout-grid-align: none;">💪Building a stable, reliable financial ecosystem through tech-driven innovation</h2>
&nbsp;
As a new company, we leverage technology to drive innovation and integrate finance and technology. We continue to enhance our technologies and develop products to boost consumers&rsquo; trust and support for digital or online banking, thereby facilitating the development of a thriving industry. We will continue to create a more reliable and secure financial ecosystem for the public.
&nbsp;
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ca357916-0d9a-48e2-9c25-a0fb5d8fd087/8ef99708-04a5-459c-bf30-d5cc6e927f1a/Good Organisation Award.jpg" alt="" width="1272" height="668">
&nbsp;
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; font-family: 'Aptos Display',sans-serif; mso-fareast-font-family: 'Microsoft JhengHei UI'; mso-bidi-font-family: 'Segoe UI'; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA;">ZA Bank was the only bank to receive the &ldquo;Good Organisation Award&rdquo; this year, and it was the first local digital bank to be awarded in this category.
&nbsp;
<span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; font-family: 'Aptos Display',sans-serif; mso-fareast-font-family: 'Microsoft JhengHei UI'; mso-bidi-font-family: 'Segoe UI'; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA;"><img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ca357916-0d9a-48e2-9c25-a0fb5d8fd087/37d63acb-8f37-4b4e-afc2-1e647689d5ed/Effective Regtech Application Award.jpg" alt="" width="1272" height="716">
&nbsp;
<span style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; font-family: 'Aptos Display',sans-serif; mso-fareast-font-family: 'Microsoft JhengHei UI'; mso-bidi-font-family: 'Segoe UI'; mso-ansi-language: EN-HK; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA;">ZA Bank received the &ldquo;Effective Regtech Application Award&rdquo; at this year&rsquo;s Bank Staff Recognition Ceremony.
&nbsp;
<hr>
&nbsp;
Remarks:
1. Data as of February 2024.
2. Source: ZA Bank's internal data.

How our in-house security tech protects your money🛡️

【ZA Bank】How our in-house security tech protects your money🛡️

It is our 4th birthday 🎉, and we are searching for the supreme Grand Master to lead the World of Finance with us.&nbsp;🗡️ Set forth on an exhilarating gaming odyssey and win rewards up to HKD 39,9991! 🌟
&nbsp;
Secrets to win BIG!
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/71f1b980-6720-4929-a213-74232d9635bb/8cb1cb49-db56-41a6-9ac1-d0707e7dcfbd/eDM game screencap EN.png" width="422" height="354">
Based on the total experience points (&ldquo;EXP&rdquo;) <span style="font-family: 'Segoe UI Emoji',sans-serif; mso-ascii-font-family: 'Microsoft JhengHei'; mso-fareast-font-family: 'Microsoft JhengHei'; mso-hansi-font-family: 'Microsoft JhengHei'; mso-char-type: symbol-ext; mso-symbol-font-family: 'Segoe UI Emoji';">🎮, there are 4 ranks in the World of Finance. To achieve a higher rank, practice your Martial Arts Training2 by answering questions around financial literacy and ZA Bank, and Duel with Master Zappy3 to conquer Mount Hua. <span style="font-family: 'Segoe UI Emoji',sans-serif; mso-ascii-font-family: 'Microsoft JhengHei'; mso-fareast-font-family: 'Microsoft JhengHei'; mso-hansi-font-family: 'Microsoft JhengHei'; mso-char-type: symbol-ext; mso-symbol-font-family: 'Segoe UI Emoji';">⚔️You will receive EXP and a Skill Card4 according to your game performance. Each Skill Card has a different EXP hidden!
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/71f1b980-6720-4929-a213-74232d9635bb/2ea53513-1610-49fa-826c-ab648347e4c3/eDM skill card screencap EN.png" width="423" height="354">
🟡: You can also get a Skill Card through daily check-in and completing quests at ZA Quest<span style="background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">5! The more EXP you accumulate, the higher the ranking and the richer the rewards! 🤩
&nbsp;
Claim the title of Financial Hero to unlock rewards!&nbsp;
The top 399 participants with the highest EXP will receive the title of Financial Hero along with generous rewards. <span style="font-family: 'Segoe UI Emoji',sans-serif; mso-ascii-font-family: 'Microsoft JhengHei'; mso-fareast-font-family: 'Microsoft JhengHei'; mso-hansi-font-family: 'Microsoft JhengHei'; mso-char-type: symbol-ext; mso-symbol-font-family: 'Segoe UI Emoji';">🎁
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/71f1b980-6720-4929-a213-74232d9635bb/e0c84a4e-1d2c-49dc-880a-bbcf53457878/reward EN (1).png" width="305" height="378">
&nbsp;
Start your journey and gain EXP now!
How to enter the training grounds? <span style="font-family: 'Segoe UI Emoji',sans-serif; mso-ascii-font-family: 'Microsoft JhengHei'; mso-fareast-font-family: 'Microsoft JhengHei'; mso-hansi-font-family: 'Microsoft JhengHei'; mso-char-type: symbol-ext; mso-symbol-font-family: 'Segoe UI Emoji';">🥷Open the ZA Bank App &gt; Tap on Birthday Party<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/71f1b980-6720-4929-a213-74232d9635bb/18c48fde-7e32-4fcf-bc38-c6f438269512/Group 1925204136.png" width="285" height="229">
Only the best and bravest cultivator can become a Grand Master. <span style="font-family: 'Segoe UI Emoji',sans-serif; mso-ascii-font-family: 'Microsoft JhengHei'; mso-fareast-font-family: 'Microsoft JhengHei'; mso-hansi-font-family: 'Microsoft JhengHei'; mso-char-type: symbol-ext; mso-symbol-font-family: 'Segoe UI Emoji';">🤴Remember to practice daily and accumulate EXP to create your financial legend!
<hr>
&nbsp;
1. The campaign period of Financial Heroes&rsquo; Alliance is from 26 March 2024 to 16 April 2024 (both dates inclusive). The &ldquo;Total Campaign EXP&rdquo; will be derived from the sum of all EXP gained from flipping Skill Cards, &ldquo;Total EXP of Martial Arts Training&rdquo; and &ldquo;Total EXP of Duel with Master Zappy&rdquo;. Each Participant will be ranked according to his or her &ldquo;Total Campaign EXP&rdquo;. Participants with the same &ldquo;Total Campaign EXP&rdquo; will be ranked in the order of the time they earned the EXP, and those who earned the same amount of EXP earlier will have a higher ranking. After the end of the Campaign Period, the top 399 Participants will receive rewards according to their rankings. Financial Heroes&rsquo; Alliance is&nbsp;subject to its <a href="https://bank.za.group/agreement/pdf/en_US/1001700" target="_blank" rel="noopener">terms and conditions</a> apply.
&nbsp;
2. &ldquo;Martial Arts Training&rdquo;: Each Participant has 1 game chance per day during the Campaign Period. Participants will receive corresponding EXP and a Skill Card after completing each game. The EXP gained from each game will count towards &ldquo;Total EXP of Martial Arts Training&rdquo;.
&nbsp;
3. &ldquo;Duel with Master Zappy&rdquo;: Each Participant has 1 game chance per day during the Campaign Period. Each Participant can obtain extra <span style="background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">game chance <span style="background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">by taking designated actions or completing designated quests. Participants will receive EXP and a Skill Card after completing each game. The &ldquo;Total EXP of Duel with Master Zappy&rdquo; will be based on the EXP combined from his or her highest scoring 5 games. If a Participant has played less than 5 games, his or her total EXP will be based on the actual number of games played.
&nbsp;
4. &ldquo;Skill Card&rdquo;: Participants can flip a Skill Card on the Campaign page before 11:59 p.m. on 16 April 2024, to gain a random EXP. If the Participant fails to do so, the Skill Card and corresponding EXP will be deemed forfeited, and ZA Bank will not reissue them.
&nbsp;
5. ZA Quest is subject to its <a style="background-color: rgb(255, 255, 255);" href="https://bank.za.group/agreement/html/en_US/1000258">terms and conditions</a>.
&nbsp;
<span style="background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">6. ZA Coin is a third-party loyalty reward programme operated by ZA International Financial Services Limited (&ldquo;ZAIF&rdquo;), offering rewards for Participants. ZA Coin can be redeemed in ZA Bank App as 100 ZA Coin = HKD 1 as the current redemption rate. Cash will be credited to the Participants&rsquo; ZA Bank HKD savings account immediately after successful redemption. The maximum amount of cash that can be redeemed is HKD 10,000 per month and the redemption of ZA Coin is subject to the "ZA Coin" terms and conditions. For details, please visit coin.za.group.
&nbsp;
7. ZA Bank is not the supplier of "Jin Yong&rsquo;s Novels Full Collection (Traditional Chinese) " and &ldquo;Rakuten Kobo Nia eReader (Black)&rdquo;. ZA Bank does not guarantee the quality of the rewards nor assume any legal responsibility in any other aspect.

[ZA Bank] 🎮 Become a Financial Hero and win HKD 39,999

📢 Did you know that ZA Bank not only provides one-stop digital banking services for individual users, but also business banking services for registered start-ups operating in Hong Kong?
 As a former start-up in Hong Kong&rsquo;s banking industry, we understand how difficult it can be to start a business. That&rsquo;s why we are committed to providing new business banking services for start-ups, solving their business needs, and growing together with them🤝!
 While you may have already experienced our retail banking services such as account opening, loans and/or foreign exchange, you may have big dreams to start up your own business. Let&rsquo;s look at how ZA Bank&rsquo;s Business Banking differs from traditional business banking services🧐:
 <img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f256296f-b7b0-4070-82b2-542df359100e/f808c9aa-887a-4e3c-b766-f814c5bc5599/開立商業戶口- EN.png">
👉 <a style="color: rgb(0, 184, 128);" href="https://bank.za.group/en/business/onboarding?isCreat=true">Apply Now</a>
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f256296f-b7b0-4070-82b2-542df359100e/489ebcb5-8c2a-458c-a104-a657d0b38a7c/小額企業貸款- EN.png">
👉 <a style="color: rgb(0, 184, 128);" href="https://bank.za.group/en/business-loan?channel=SFGS-80">Register Now</a>
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f256296f-b7b0-4070-82b2-542df359100e/b5dc7b0a-5ac8-48df-8fad-7c818fcdc53c/特惠外匯服務- EN.png">
👉 <a style="color: rgb(0, 184, 128);" href="https://business-internet-banking.za.group/cib-new/user/login">Experience Now</a>
&nbsp;
In addition, ZA Bank also provides business banking services such as deposits, transfers and payments for start-ups. Want to know more? Please visit the official website of ZA Bank&rsquo;s Business Banking&nbsp;
&nbsp;
If you want to experience ZA Bank&rsquo;s Business Banking services but have more questions, please call our 24 x 7 customer hotline at 3665 3665.
&nbsp;
<hr>
&nbsp;
1. The actual turnaround time may vary depending on the circumstances of each individual application.
 &nbsp;To borrow or not to borrow? Borrow only if you can repay!
&nbsp;
&nbsp;

The entire process can be completed online in as fast as 1 working day

Try out ZA Bank’s Business Banking services now! 🚀

&nbsp;
The Year of the Dragon is in full swing🐲 and so is the growing travel boom across the world! Are you planning to travel overseas over the next few months, and splurge on shopping, delicious foods, and relaxing times? 🍻 Then you&rsquo;ve got to be prepared and protect your finances just in case!
&nbsp;
&nbsp;
Below are key features that can help you protect your ZA Card:
&nbsp;
&nbsp;
<h2 class="last-child" style="text-align: center;">✔ Adjust your spending and ATM withdrawal limits</h2>
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c7f23161-1caa-4c99-a627-95c0e9f8cdaa/78605343-ada5-421d-95d2-9eba43c9935b/1-EN.png" alt="" width="1200" height="800">
&nbsp;
&nbsp;
Going to someplace beautiful, exotic but a bit more adventurous? ⛱️Worried about having your ZA Card information swiped?
&nbsp;
&nbsp;
No worries! To protect yourself in advance, go to the ZA Bank App's ZA Card page &gt; Set Limit &gt; Adjust your transaction limits on the &ldquo;Spending Limits&rdquo; page. That way, you can limit how much money you can spend with your ZA Card! In addition, don&rsquo;t forget to switch on the Travel function on the ZA Card page! It offers you a smoother experience for overseas transactions by reducing the chances of blocked overseas ATM withdrawals and/or spending.
&nbsp;
&nbsp;
<h2 class="last-child" style="text-align: center;">✔ Lock your card instantly</h2>
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c7f23161-1caa-4c99-a627-95c0e9f8cdaa/cecfd6e8-c990-406c-9fd4-44dcb5c9b0bc/2-EN.png" alt="" width="1200" height="800">
&nbsp;
&nbsp;
Oh no! 😱 You&rsquo;ve been enjoying your holiday, but now you can&rsquo;t find your ZA Card anywhere! That&rsquo;s all right, just take a deep breath and relax! Go to the ZA Card page &gt; Lock card &gt; Press &ldquo;Confirm&rdquo;. Now nobody can use your ZA Card!
&nbsp;
&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c7f23161-1caa-4c99-a627-95c0e9f8cdaa/6e73a785-bce8-4f3a-9e3d-09a26e70c2cc/3-EN.png" alt="" width="1200" height="800">
&nbsp;
&nbsp;
Secondly, if you reeeeally can&rsquo;t find it even if you&rsquo;ve turned your hotel room upside down, take another chill pill, because everything&rsquo;s fine! Go to the ZA Card page again &gt; Replace card &gt; Report a lost or stolen ZA Card. Afterwards, just confirm a few details, and you&rsquo;ll get a brand-new virtual ZA Card immediately and a physical ZA Card will be sent to your correspondence address afterwards! 👌
&nbsp;
&nbsp;
<h2 class="last-child" style="text-align: center;">✔ Mobile wallet binding and spending notifications</h2>
&nbsp;
&nbsp;
Linked up your ZA Card with a mobile wallet for the first time? We&rsquo;ve got this covered too! As a security measure, ZA Bank will need you to verify your mobile wallet binding and/or send you notifications for the first three transactions that are conducted through your mobile wallet. 📱 That way, you&rsquo;ll have time to check and confirm that it&rsquo;s not somebody else&rsquo;s mobile wallet that&rsquo;s using your ZA Card!
&nbsp;
&nbsp;
Before you jet off in a plane, go to the ZA Bank App and customise your level of protection now! 🏃
&nbsp;
&nbsp;
<hr>
&nbsp;
&nbsp;
BONUS TIP: How do I identify SMS messages sent by ZA Bank?
&nbsp;
It's easy! Just look out for the SMS Sender IDs - #ZABank, #ZA Bank, or #ZA_Bank!

Security tips🛡️: Travelling with ZA Card 💳

【ZA Bank】Security tips🛡️: Travelling with ZA Card 💳

【ZA Bank】Millions of Dragon Delights has arrived! 

【ZA Bank】Millions of Dragon Delights has arrived!🐲

The World Bank predicts in its &ldquo;World Economic Outlook&rdquo;1 predicts a continued slowdown in global economic growth. Want to boost your interest income? Here are 3 easy and practical money-saving habits that your wallet will thank you for later!
&nbsp;
1. Separate spending and savings accounts
&nbsp;
Create two separate bank accounts: a savings account and a day-to-day expenses account. You can set up an automatic transfer from your payroll account to your savings account every month. A fixed amount, such as 10% of your income, is a good amount to consider. To ensure you don't dip into your savings, it&rsquo;s a good idea to keep the savings account card at home.
&nbsp;
By automating the process, you no longer have to worry about manually setting aside a fixed amount of money or forgetting to save! This will help you stay on track with your savings. 
&nbsp;
➡️ Create your Savings Pot, somewhere to save, not spend.
&nbsp;
2. Build passive income
&nbsp;
Passive income is revenue generated with little or no active participation. As the saying goes, &ldquo;There&rsquo;s no such thing as a free lunch.&rdquo; Passive income is generated by spending time and capital on different assets to produce returns. Among several options in the market, time deposit stands out as a lower-risk option that requires less capital and is less affected by the macroeconomic environment or market performance. It also allows you to get an estimated interest income. 
&nbsp;
➡️ Create your Savings Pot and complete four monthly challenges to get up to a 4% p.a. savings rate with flexibility and no minimum deposit requirement.
&nbsp;
3. Set feasible and specific savings goals
&nbsp;
Goal-Free Living author Stephen Shapiro pointed out that only 8% of people are able to achieve their set goals for the new year2. This means that over 90% of people fail to accomplish theirs. The reason for this is that most goals are not accompanied by specific plans, action steps, and vision blueprints!
&nbsp;
To increase your chances of achieving your goals, think of saving money as if you&rsquo;re playing a video game! Instead of directly challenging the boss level, focus on completing each level to build a sense of accomplishment. This method will help you become more motivated to continue pushing yourself. To begin with, when setting goals to save money, start by taking small and achievable steps. One way is to reduce the number of times you eat out each week. Small, consistent changes can lead to significant financial progress.
&nbsp;
In addition, you can visualise the savings goals you want to achieve. An experiment by behavioural economics professors Dilip Soman and Amar Cheema3 showed that people who posted a photo of their target on their savings envelope saved up to 20% more than those who did not!
&nbsp;
➡️ Personalise your Savings Pot and stay motivated!
&nbsp;
Let&rsquo;s say you have a savings goal of booking a flight to see the camels in North Africa. You can post a picture of camels in the Sahara Desert at sunset on your savings pot. This will help you visualise your goal instead of just looking at a bunch of numbers, making what seemed like a painful process more motivated and enjoyable to save money and filled with anticipation.
&nbsp;
As the Year of the Dragon begins, ZA Bank introduces Savings Pot, a tool to help you adopt the three habits mentioned above!
&nbsp;
What is Savings Pot?
&nbsp;
Savings Pot is your exclusive savings sub-account in ZA Bank, which is a simple way to put money aside and set it apart from your expenses. You can deposit or withdraw money instantly, no minimum deposit requirement and get up to a 4% savings rate.
&nbsp;
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<div class="ipage_blog_static_html_content">⭐ Savings deposits in the sub-account are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.</div>
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How can I earn up to a 4% p.a. savings rate4?
&nbsp;
Create your Savings Pot now to enjoy +0.39% p.a.. Get +3.6% p.a. more by completing all four monthly challenges! With the 0.01% p.a. savings basic interest rate5, you can earn up to 4% p.a. in total6!
&nbsp;
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<div class="ipage_blog_static_html_content">1️⃣ Add Money Challenge + 1.4% p.a.</div>
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Earn 1.4% p.a. by transferring HKD 20,000 cumulatively through Easy Deposit.
&nbsp;
</div>
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<div class="ipage_blog_static_html_content">2️⃣ Spending Challenge +1.2% p.a.</div>
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Earn 1.2% p.a. by using your ZA Card to complete no less than HKD 3,000 of eligible transactions in total.
&nbsp;
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<div class="ipage_blog_static_html_content">3️⃣ FX Challenge +0.5% p.a.</div>
</div>
Earn 0.5% p.a. by exchanging currency in any currency with a total sell-out amount of HKD 20,000 (equiv.)
&nbsp;
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<div class="ipage_blog_static_html_content">4️⃣ Payment Challenge +0.5% p.a.</div>
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Earn 0.5% p.a. by completing 2 QR code bill payments or credit card repayment transactions of no less than HKD 100 each.
</div>
</div>
&nbsp;
<hr>
&nbsp;
1. Source: <a href="https://www.imf.org/en/Publications/WEO">World Economic Outlook. (2024, January 29). IMF.</a>
2. Source: <a href="http://books.google.ie/books?id=jzhg0gnMQokC&amp;pg=PT122&amp;dq=Goal-Free+Living&amp;hl=&amp;cd=2&amp;source=gbs_api">Shapiro, S. M. (2010, December 3). Goal-Free Living. John Wiley &amp; Sons.</a>
3. Source: <a href="https://doi.org/10.1509/jmkr.45.6.665">Cheema, A., &amp; Soman, D. (2008, December). The Effect of Partitions on Controlling Consumption. Journal of Marketing Research, 45(6), 665&ndash;675.</a>
4. Your Savings Pot interest rate includes the basic interest rate + reward rate.
5. The basic interest rate means an HKD savings basic interest rate of 0.01%. The basic interest rate will be adjusted from time to time, and the latest interest rate information can be found on the ZA Bank official website bank.za.group.
6. The reward interest rate applies to a Savings Pot balance of HKD 500,000 or below, which is valid from the day of completing the challenge to the last day of the month. View details in the <a href="https://bank.za.group/agreement/html/en_US/1001613">Terms and Conditions</a>.

3 small habits to save up easily

2023 in review

【ZA Bank】2023 in review

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As a ZA Card user, did you know that you&rsquo;re protected against theft, fraud and deception from the digital world? ZA Bank has made sure to include multiple levels of protection that you can use to fight back against fraudsters! 💪
&nbsp;
Check out the three features below on protecting your payments when you pay with ZA Card!
&nbsp;
<hr />
&nbsp;
<h2>Customise the settings for your card-not-present transactions! 💡</h2>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b2211068-328c-43cf-91e7-388e626afee2/18735c29-aa57-47eb-8131-43cfe19636ce/1-EN.png" alt="" width="1200" height="800" />
&nbsp;
Take charge of your safety through preventative measures! 🛡️
&nbsp;
Go to the ZA Bank App's ZA Card page, tap the &ldquo;Set limit&rdquo; button, and adjust your transaction limits on the &ldquo;Spending limit&rdquo; page! You can also turn off the function for card-not-present (&ldquo;CNP&rdquo;) transactions whenever you don&rsquo;t need to shop online.&nbsp; 🛍️ So from now on, whether you decide to buy books, electronics, or groceries online, you&rsquo;ll always be in control of your spending!&nbsp;
&nbsp;
<hr />
&nbsp;
<h2>ZA Verify &ndash; a security feature that looks out for your safety! 🕵️</h2>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b2211068-328c-43cf-91e7-388e626afee2/f3bd2d67-e9a9-4e34-814e-cbd2647ff3e4/2-EN.png" alt="" width="1200" height="800" />
&nbsp;
Stop for a moment! 🙊 Are you sure you want your transaction to go ahead?
&nbsp;
ZA Verify is a security feature from ZA Bank that protects you from suspicious transactions. If you want to proceed with a transaction, go to the ZA Bank App, approve the transaction, and then initiate it after the approval. However, if you don&rsquo;t approve, decline it, and your transaction will be protected! 😁
&nbsp;
<hr />
&nbsp;
<h2>Digital wallet first-time verification📱</h2>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b2211068-328c-43cf-91e7-388e626afee2/62e5e38e-4f9f-45d5-a1f8-c6e6dcc36518/3-CN.png" alt="" width="1200" height="800" />
&nbsp;
Are you linking your ZA Card with a digital wallet for the first time? We&rsquo;ve got you covered too! Linking up your ZA Card with digital wallets for the first time, such as Apple Pay or Google Pay, will trigger a notification that asks for verification via the ZA Bank App. ZA Verify will be triggered instead when you try to pay via a digital wallet without going through this step.&nbsp;&nbsp;&nbsp;
&nbsp;
<hr />
&nbsp;
We are committed more than ever to creating a secure and convenient experience for our users, especially when it comes to online spending. With ZA Bank by your side, you can keep your transactions and savings safer than before.
&nbsp;
So what are you waiting for? Go to the ZA Bank App and customise your level of protection now! 🏃
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</div>

Security tips🛡️: How to protect your ZA Card 💳

【ZA Bank】Security tips🛡️: How to protect your ZA Card 💳

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We're thrilled to share that the Transfer function in the ZA Bank App has undergone a complete upgrade! Your transfer history with ZA Bank friends is now displayed in a dialogue-like format, making the transaction details clear and easy to understand. You can also react to transfers with emojis!
&nbsp;
Our user experience comes first for everything. The upgraded transfer function is no exception! Let's take a look at our three main features!
&nbsp;
<h2>Feature 1: An interactive transfer history that clearly lays out all transactions!</h2>
&nbsp;
Some of you may have encountered such a situation: You and your friend planned to go to a concert together. After refreshing the ticketing website page many times, you finally managed to get the tickets! A few months later, after the show, you remembered you needed to ask your friend to pay you back for the tickets. Your friend told you that he had transferred the money to your account on the day of the purchase.
&nbsp;
You opened your banking app to confirm if you had received the payment, but with so many transfer records accumulated over the months, you couldn't find your friend's transaction history, no matter how hard you looked. In the end, you had to give up and let it go...
&nbsp;
To solve this annoying situation, we have upgraded and launched an interactive history for ZA Bank friends, making it easy to see all transactions between you and your friends &ndash; just like a text conversation!
&nbsp;
If your friend is also a ZA Bank user, the ZA Bank App will automatically create a dedicated transfer History page for you conversationally, displaying transfer records, including the date and time. Want to check out the payment your friend transferred to you a few months ago? The new transfer history makes it easy to find!
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/1aec101c-2b03-4135-a81c-2a68959be5cf/46db769c-cccd-4e80-9ffb-844d55cfc3b8/02.png" alt="" width="802" height="930" />
&nbsp;
You can also view your cash transfers, cash or coupon lai see transfer history, and things like remarks, status, lai see covers, and many others!
&nbsp;
<h2>Feature 2: Send money and a "like" with just one app!</h2>
&nbsp;
When dining out with friends, if there is one person responsible for paying the entire bill, the following conversation usually appears in the chat group:
&nbsp;
"Tonight's dinner is HKD 100 per person."
&nbsp;
&nbsp;"Paid." "Sent to you with FPS."
&nbsp;
"🙏" "👍" "❤️"
&nbsp;
With the new Transfer function upgrade, when splitting the bill during meals, you and your friends no longer need to text each other via group chat that the money has been paid or received. This is because all transactions between you and your ZA Bank friends will be displayed in the transfer history, so you can easily see whether the payments have been made!
&nbsp;
After receiving a payment from your friend, you can also "like" their transfer directly on the history page so they know that the payment has been received!
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/1aec101c-2b03-4135-a81c-2a68959be5cf/c62da812-1a41-4f00-bc40-593573c9c4bd/03.png" alt="" width="802" height="930" />
&nbsp;
You can react to transfers using one of six unique emojis! Let's transfer with warmth and personality!
&nbsp;
<h2>Feature 3: Transfer money to your Frequent Payees with just one tap!</h2>
&nbsp;
For workers, lunchtime and having meals with colleagues may be the best thing during a hard day full of work. Do you need to transfer money to your colleagues every day? There is no need to search through a long list of payees anymore. Set your colleague as a frequent payee, and you can transfer money instantly once you enter the ZA Bank App's Transfer homepage.
&nbsp;
In this upgrade, we have added a Frequent Payee section on the Transfer homepage, allowing you to transfer money to your friends with just a few taps. The ZA Bank App automatically suggests frequent payees based on your recent transfer history.
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/1aec101c-2b03-4135-a81c-2a68959be5cf/c326790f-24a4-43f4-a1a0-a786a081e1b1/01.png" alt="" width="802" height="930" />
&nbsp;
You can also set your frequent payees by tapping the "star" icon on the payee page. You can have a maximum of 10 frequent payees!
&nbsp;
<h2>Want to use the 3 new features immediately? Pay attention to the following tips!</h2>
&nbsp;
Pro tips for a smoother experience:
&nbsp;
1. We've made it easier to identify your ZA Bank friends by adding a green ZA Bank Friend Identifier to their icons! If you do not want to show your ZA Bank Friend Identifier to other ZA Bank users, please first upgrade to the latest version of ZA Bank App. Afterwards, go to the App Homepage -&gt; Tap your icon -&gt; Tap the Settings menu -&gt; Tap ZA Bank Friend Identifier -&gt; Toggle the ZA Bank Friend Identifier off. Don't worry, turning it off won't affect your transfers!
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/1aec101c-2b03-4135-a81c-2a68959be5cf/91bd08f4-44b6-4e39-a8c8-1ac6beed0112/04.png" alt="" width="802" height="930" />
&nbsp;
2. If your payee is also a ZA Bank user, we recommend transferring money directly to their ZA Bank account. You can still transfer to their FPS default banks or institutions or other banks or institutions in the dropdown list.
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/1aec101c-2b03-4135-a81c-2a68959be5cf/be4e100d-4565-411c-aeb7-b54d40c3c715/05.png" alt="" width="802" height="930" />
&nbsp;
Ready to unlock these new features? Upgrade your ZA Bank App to the latest version now!
&nbsp;
If you are not a ZA Bank user, sign up now and enjoy a brand-new banking experience with Hong Kong&rsquo;s No.1 Virtual Bank1!&nbsp;
&nbsp;
<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content" style="text-align: center;"><a href="https://bank.za.group/en/web-half-open-account/hkoab?activityId=434ecabcb60742a8bc14019cada4e0267be94527049d240056c209a7a5887cbb&amp;utm_source=zablog&amp;utm_medium=website" target="_blank" rel="noopener">Sign Up Now</a></div>
</div>
&nbsp;
1&nbsp; &ldquo;No.1 Virtual Bank&rdquo; refers to ZA Bank&rsquo;s leading position derived from the total number of users, deposits and assets as of 30 June 2023 among the eight licensed virtual banks that provides digital banking services (Source: Interim reports of virtual banks).
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For ZA Bank users only: Upgraded transfer features!

【ZA Bank】For ZA Bank users only: Upgraded transfer features!

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Be on guard against bogus calls! ⚠️⚠️⚠️
&nbsp;
There has been an upswing recently of scam callers impersonating bank staff across Hong Kong. 🦹&zwj;♂️ In this article, we will analyze the common techniques used by fraudsters and share five tips for identifying bogus calls to help you protect yourself from being scammed.
&nbsp;
<h2>Common techniques used by fraudsters</h2>
&nbsp;
A fraudster will pose as a staff member from a financial institution and invite you to apply for a loan or other banking services via phone calls or chat apps. Once a scam call or chat progresses, the fraudster will usually request sensitive personal information. 🔎👀
&nbsp;
As a warm reminder, ZA Bank will never contact you for sensitive information over the phone or via other forms of communication. 🙅&zwj;♂️🙅&zwj;♀️
&nbsp;
<h2>5 tips to identify a bogus call 🧐</h2>
&nbsp;
To help you protect yourself, please find a list of tips below that could help you identify a bogus or scam call 💡:
&nbsp;
&bull; The caller refuses to disclose his or her identity and does not provide a callback number
&nbsp;
&bull; The caller or a pre-recorded message claims that there are irregularities with your bank account or ZA Card
&nbsp;
&bull; The caller does not disclose his or her name, staff ID, or which department he or she belongs to
&nbsp;
&bull; The caller focuses on trying to sell you loans or other banking services with a low interest rate
&nbsp;
&bull; The caller asks for sensitive information, such as your ZA login details or account number&nbsp;
<h2>&nbsp;</h2>
<h2>What to do when you receive a bogus call 📱</h2>
&nbsp;
As a leading Hong Kong virtual bank, most of ZA Bank&rsquo;s services (including loans and balance enquiry) are enacted digitally through the ZA Bank App. If and when you suspect or realize that you have received a bogus call, here&rsquo;s what you should do:
&nbsp;
1. Hang up at once. 🔕
&nbsp;
2. Change your login password or details immediately and contact our customer service team at 3665 3665 or via the ZA Bank App for assistance if you have revealed sensitive personal information. 🤐
&nbsp;
3. Report the scam call to the police and inform them of the caller&rsquo;s phone number and the information you provided. 👮
&nbsp;
Once again, remember to keep your bank account and your personal information safe! 🔐 Never give away sensitive information to fraudsters, and let us know by phone or via the ZA Bank App if your ZA Bank account has any irregularities!
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5 tips to identify a bogus call

【ZA Bank】5 tips to identify a bogus call

<div class="ipage_blog_static_html_content_container"><style>.ipage_blog_static_html_content img {max-width: 100%;height: auto;}</style><div class="ipage_blog_static_html_content">With Zappy and Alfie around, our Instagram @zappy_alfie isn&rsquo;t going to be boring! Are you ready to win big? 😎
&nbsp;
New Instagram exclusive campaign - Secret Lai See Code!
&nbsp;
On 15 September 2023, we will release a Secret Lai See Code through Instagram Stories on @zappy_alfie. 🔮 Quickly enter the Secret Lai See Code in the Redeem Lai See Code section in the ZA Bank App to win one of the following exciting rewards1! 🎁
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/162af1f7-dec1-49bd-a8c1-c9297b7833ac/3d9a865d-8dea-481a-a04a-fcc2d52204ae/2. Social_Secret Lai See Code_Blog prize list_EN.png" alt="" width="2048" height="877" />
It's that simple! But hurry &ndash; prizes are limited in quantity. The quicker you enter the code, the better your chances of winning, so make sure to act fast!
&nbsp;
How to redeem Lai See Code?
&nbsp;
1️⃣ Log into the ZA Bank App
2️⃣ Go to Transfer -&gt; Lai See -&gt; Redeem Lai See Code
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/162af1f7-dec1-49bd-a8c1-c9297b7833ac/67508fad-4753-4a00-a5c7-dfa3a771ca9c/3. Social_Secret Lai See Code_Blog Lai See Step 2_EN.png" alt="" />
3️⃣ Enter the Secret Lai See Code to join the giveaway!
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/162af1f7-dec1-49bd-a8c1-c9297b7833ac/e28d4ad6-8bc9-4104-bc54-34507ad2853c/4. Social_Secret Lai See Code_Blog Lai See Step 3_EN.png" alt="" />
&nbsp;
Over 1,000 rewards are up for grabs! Get ready - follow Instagram @zappy_alfie and turn on the notification 🔔 now!
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/162af1f7-dec1-49bd-a8c1-c9297b7833ac/1973379a-a22d-423c-9e1c-9468b5458d83/5. Social_Secret Lai See Code_Blog IG Notification_EN.png" alt="" />
&nbsp;
&nbsp;
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<ol>
<li>Campaign will be held on 15 September 2023. ZA Bank will announce Secret Lai See Codes on Campaign Date through Instagram stories on Official ZA Bank Instagram (@zappy_alfie). After entering the designated "Lai See Code" in the "Redeem Lai See code" section within the ZA Bank App, Participants will receive one reward. Lai See Code for Campaign Date is subject to availability while stocks last on a first come first served basis. <a href="https://bank.za.group/agreement/pdf/en_US/1001465" target="_blank" rel="noopener">Terms and conditions</a> apply.&nbsp;</li>
</ol>
&nbsp;
<ol start="2">
<li>ZA Bank is not the supplier of the grand prize of "Round-Trip Flight Ticket to Tokyo/Kansai Certificate x 2". ZA Bank does not guarantee the quality of the rewards nor assume any legal responsibility in any other aspect. The grand prize of "Round-Trip Flight Ticket to Tokyo/Kansai Certificate x 2" is subject to its <a href="https://bank.za.group/agreement/pdf/en_US/1001465" target="_blank" rel="noopener">terms and conditions</a>.&nbsp;</li>
</ol>
&nbsp;
<ol start="3">
<li>&ldquo;HKD 25 Starbucks e-Gift Certificate&rdquo; is subject to its terms and conditions, participants should refer to the relevant terms and conditions before use. &ldquo;HKD 25 Starbucks e-Gift Certificate&rdquo; is provided by the merchant and is subject to its terms of use, including but not limited to services, products, prices, expiry date and terms of use, are provided by the relevant merchant. Please refer to relevant terms and conditions for details or check with relevant merchant. ZA Bank will not be responsible for any unsuccessful use of the specific &ldquo;HKD 25 Starbucks e-Gift Certificate&rdquo;.</li>
</ol>
&nbsp;
<ol start="4">
<li>The promotion period is from now until 30 September 2023. After participating in PowerDraw or completing the designated quests, users will have the opportunity to get a MillionTix. ZA Bank will draw one of the MillionTix after each round, and the owner of the MillionTix will receive a HKD 1,000,000 cash reward or other reward of equivalent value. <a href="https://cdn.zaticdn.com/if/ipage/prd/data/agreement/en_US/1000687.html?v=2767104">Terms and conditions</a></li>
</ol>
&nbsp;
<ol start="5">
<li>ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited (&ldquo;ZAIF&rdquo;). ZA Coin can be redeemed to cash in ZA Bank App at a rate of 100 ZA Coin = HKD 1. Upon successful redemption, the cash will be deposited to Eligible Customer&rsquo;s ZA Bank HKD savings account instantly. The monthly cash redemption amount is capped at HKD 10,000. Terms and Conditions of ZA Coin apply for redemption. For details, please visit coin.za.group. ZA Bank is not obliged to notify Eligible Customer of any changes or latest announcements of ZAIF.</li>
</ol></div></div>

Win round-trip flight tickets 🛫

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Good news everyone! You can now get an upgraded and awesome new ZA Quest1 experience! 😉 Just tap on the Daily Check-in icon on the top right corner of the ZA Bank App homepage, and you can enter a whole new world of delights and rewards. 🤩
&nbsp;
Check out the 3 new ZA Quest features you&rsquo;ll be getting below!
&nbsp;
<h2 style="text-align: center;">🧐Check in for your daily gift capsule2</h2>
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c6566cfe-86eb-4c23-bf56-6ce64bf6fb59/f5d5825e-33b4-4e4c-bf23-797197b8f8f3/Slide2.PNG" alt="" width="1280" height="460" />
Go to ZA Quest and tap on the capsule every day to complete your daily ZA Quest check-in, and get a chance to win a new character skin (i.e. a digital card!) These collectible cards were also available to be won in the past via daily check-ins! 🎉 Best of all, you can get golden surprise capsules through continuously checking in, which will reward you with prizes such as ZA Coin3 and coupons4! 😊
&nbsp;
Would you like to have one? Just remember to log in to ZA Bank App every day to check in!
&nbsp;
<h2 style="text-align: center;">🥳An awesome &ldquo;Today&rsquo;s Surprise!&rdquo; feature5</h2>
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c6566cfe-86eb-4c23-bf56-6ce64bf6fb59/d5fc1041-a727-434d-9156-8c16c3cb61ef/Slide2.PNG" alt="" width="1245" height="715" />
Surprise! Your special rewards are here! Use your ZA Coins to redeem and complete related quests after selecting your favourite &ldquo;Today&rsquo;s Surprise!&rdquo; reward, and you will get a gift capsule. 🎁 After opening the capsule, you could be rewarded with a deposit rate-up coupon6, a coupon4 from your favourite merchant, or something more! By the way, this feature only appears occasionally in the ZA Quest page, so keep an eye out for our notifications! 👀
&nbsp;
<h2 style="text-align: center;">🤠Get into the Quest Zone</h2>
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c6566cfe-86eb-4c23-bf56-6ce64bf6fb59/dd8cb1c8-27ab-455d-bc05-c5f33ca8915a/MicrosoftTeams-image (3).png" alt="" width="1145" height="1198" />
&nbsp;
When you go to ZA Quest, it&rsquo;s all about questing for rewards! To help make things a little more organised, we&rsquo;ve revamped the user interface for ZA Quest. You&rsquo;ll have to first claim your ZA Quests from the Quest Zone tab, after which they will appear under the My Quests section. You&rsquo;ll get a reward capsule after completing any ZA Quest, but the reward may be different each time! Is it a cash reward, ZA Coins, a merchant coupon, or an awesome new digital card? We&rsquo;ll try to keep you guessing! 🎁
&nbsp;
Hurry and update your ZA Bank App now for a brand-new ZA Quest! 😙
&nbsp;
&nbsp;
&nbsp;
&nbsp;
1 ZA Quest is subject to <a href="https://bank.za.group/agreement/html/en_US/1001382">the terms and conditions</a>.
&nbsp;
2 Users can check in once per day on ZA Quest and receive a capsule. Checking in consecutively will result in more rewards.
&nbsp;
3 ZA Coins are rewards issued to Users by a third-party reward scheme operated by ZAIF. ZA Coins can be redeemed as cash in ZA Bank App at a rate of 100 ZA Coins = HKD 1. Upon successful redemption, the cash will be deposited to a User&rsquo;s ZA Bank HKD savings account instantly. The monthly cash redemption amount is capped at HKD 10,000. Terms and Conditions of ZA Coin apply for redemption. For details, please visit coin.za.group. ZA Bank is not obliged to notify the User of any changes or the latest announcements of ZAIF. Therefore, ZA Bank will use its best endeavours to provide the necessary information to ZAIF to facilitate this purpose.
&nbsp;
4 Coupons are subject to terms and conditions. Users should refer to the relevant terms and conditions before use. Merchant coupons are provided by the merchant and is subject to its terms and conditions, including but not limited to services, products, prices, expiry date and terms of use, are provided by the relevant merchant. For details, please refer to relevant terms and conditions or check with the relevant merchant. ZA Bank will not be responsible for any unsuccessful use of any specific merchant coupons.
&nbsp;
5 Users can redeem quests with ZA Coins or form a team to redeem quests with ZA Coins in the "Today's Surprise" section of ZA Quest. Users will receive a capsule with rewards after completing a quest.
&nbsp;
6 Rate-up Coupons are subject to <a href="https://bank.za.group/agreement/html/en_US/1001374">the terms and conditions</a>.
</div>
</div>

We’ve upgraded ZA Quest! 🤩 New quests and rewards await! 

【ZA Bank】We’ve upgraded ZA Quest! 🤩 New quests and rewards await! 

As the world of finance and technology continues to develop and evolve, there are more and more ways in which crooks and scammers will try to take advantage of you, your money, and your bank account 🤨 Our reminder today will focus on why you should NEVER lend or sell your bank account and NEVER share your personal credentials with another person.
&nbsp;
Firstly, you expose yourself to the risk of committing money laundering offences, of which the maximum penalty is imprisonment for 14 years and a fine of HKD 5 million. Secondly, not only is it against the law, but you could also end up enabling great harm to others by letting money-launderers do their dirty work through your bank account! 😖
&nbsp;
Here are a few examples in which money-launderers can try to take advantage of you to get you to lend or sell your bank account:
&nbsp;
<h2>Fake employer/job</h2>
&nbsp;
We know the job market may be tough 😔 and bosses can be demanding&hellip; but be on guard! Someone might pose as a potential employer and ask you to lend your bank account for transferring and receiving money!
&nbsp;
<h2>Quick cash</h2>
&nbsp;
Someone could approach you directly and offer to pay you money to use your existing bank account, or to open a new one under your name for their use! But ask yourself&hellip; Is it worth it to potentially go to jail over a few extra thousand HKD?
&nbsp;
Just remember &ndash; protecting your bank account details also means protecting yourself! You can remind yourself of the following:
&nbsp;
&bull; Never reveal your digital or mobile banking details to another person, such as your username or password 🤐
&nbsp;
<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content">&bull; Don&rsquo;t save your bank account details or login information on your mobile device! If you must do so, then don&rsquo;t lend your mobile device to another person.</div>
</div>
&nbsp;
<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content">&bull; Keep your authentication device (e.g. smartphone) safe and prevent others from accessing your bank account. For example, you can enable your device to automatically lock after its screen times out.</div>
</div>
&nbsp;
<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content">&bull; If you have any enquiries 😊 you can always contact our customer service team via ZA Bank App 📱 or by calling the number 3665 3665.</div>
<div class="ipage_blog_static_html_content">&nbsp;</div>
<div class="ipage_blog_static_html_content">Your bank account is yours, and yours alone. Don&rsquo;t lend or sell your account to anyone! Be safe, and always look out for fraudsters trying to take advantage of you!</div>
</div>

Anti-fraud reminder: Take care of your ZA Bank account!

【ZA Bank】Anti-fraud reminder: Take care of your ZA Bank account!

Having trouble with <a style="color: #169179;" href="https://bank.za.group/en/transfer" target="_blank" rel="noopener">FPS transfers</a>? Don't panic! ZA Bank has got you covered. When you use the ZA Bank App to transfer money through FPS and the payment is successful, you&rsquo;ll automatically receive a notification to ensure that the transfer is completed smoothly. With this feature, you&rsquo;ll have the power to instantly confirm whether the recipient has successfully received the money or not, putting you in control of your FPS transfers!
&nbsp;
If you're having trouble receiving money through an FPS transfer, one solution is to check if your default bank for FPS matches the account you expect to receive payment with. In this article, you'll find step-by-step instructions on how to check your default receiving account for FPS transfers using the ZA Bank App. You can also easily change your default bank with the same app!
&nbsp;
<h2>Check Your Transfer Status</h2>
&nbsp;
Faster Payment System (FPS) is a payment system launched in 2018, with which bank users can transfer HKD or RMB instantly to the recipient&rsquo;s personal or business bank account by entering their phone number, email address, FPS ID, or scanning their QR code.
&nbsp;
Previously, when users transferred money via FPS from one local bank to another, FPS would notify the user its completion through the bank&rsquo;s system. However, there was a slight drawback, FPS would only send a confirmation notification when the payment was successfully sent out, but not when it was received. The lack of confirmation made it difficult for some users to quickly confirm whether payments have actually reached the recipient&rsquo;s account.
&nbsp;
With the latest update to FPS, this issue has finally been resolved! &nbsp;A confirmation notification will now be sent to the sender when the payment has successfully reached the recipient's account. With this feature, it's easy to confirm whether the payment has been received or not, so you no longer have to worry about the recipient not receiving the money when using FPS for transfers!
&nbsp;
If you transfer money through the ZA Bank App, you can easily check the transfer status by looking at the Activity on the App homepage. If the payment has been successfully received by the recipient's account through FPS, you&rsquo;ll receive the following notification:
&nbsp;
<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/445b888a-36b3-450a-969b-c31cfc36da39/d6289d03-e0d9-4aed-8b53-9cf6496093f9/Slide5.PNG" alt="" width="1280" height="720" /></div>
</div>
&nbsp;
<h2>Check and Change Your Default Receiving Account in ZA Bank App</h2>
&nbsp;
What should you do if you&rsquo;re not receiving FPS transfers while the other party claims to have received a notification of successful payment to your default bank account? One simple method is to check your default receiving account for FPS transfers and verify whether the payment has been successfully credited to that account.
&nbsp;
Want to check your default receiving account for FPS transfers? There&rsquo;s no need to open every bank app, you can easily do so with the ZA Bank App! Here are the simple steps:
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/445b888a-36b3-450a-969b-c31cfc36da39/8c5fa5a6-b9d6-4975-a81a-ed451a54166a/Slide6.PNG" alt="" width="1280" height="720" />
&nbsp;
On the homepage of the ZA Bank App, tap on your profile picture on the top left corner and select &ldquo;FPS &amp; Transfer Settings&rdquo;
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/445b888a-36b3-450a-969b-c31cfc36da39/724a9e3a-8747-4942-98da-9305b30b1cd9/Slide7.PNG" alt="" width="1280" height="720" />
&nbsp;
Select &ldquo;My FPS&rdquo; and you can check whether your mobile no., email address, FPS ID, or HKID is registered with FPS
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/445b888a-36b3-450a-969b-c31cfc36da39/ed875b00-3fc2-4781-8c2b-293c5f4cb52d/Slide8.PNG" alt="" width="1280" height="720" />
&nbsp;
Tap on any of your registered FPS receiving methods, and you&rsquo;ll be able to view which bank account is currently set as your default receiving account. Meanwhile, you can also set ZA Bank as your default receiving bank with just one tap 
&nbsp;
<h2>Two Tips to Make Your FPS Transfers More Convenient!</h2>
&nbsp;
💡 If you have changed your phone number, it's important to notify the banks and stored value payment tools associated with your account to update your information. This helps avoid situations where the sender uses FPS to transfer money to you, but you can&rsquo;t receive it due to an invalid phone number.
&nbsp;
💡 Before transferring money to a friend via FPS, take the time to carefully verify their information to avoid sending money to the wrong person. If you're using&nbsp;FPS QR code&nbsp;for the transfer, be sure to check the recipient's information before proceeding with the transfer.
&nbsp;
<h2>Want to Experience the Brand-New and Convenient Way of Transferring Money? Open an Account with ZA Bank Now!</h2>
&nbsp;
ZA Bank&rsquo;s core brand spirit of &ldquo;Your future bank for now&rdquo; demonstrates our dedication to leverage the technologies of a <a style="color: #169179;" href="https://bank.za.group/en" target="_blank" rel="noopener">virtual bank</a> to respond to users&rsquo; needs, bring the future&rsquo;s banking experience to the people now.
&nbsp;
In the past, checking and changing the default receiving account for FPS transfers required switching between different bank apps. But now, with the ZA Bank App, you can do it all in one app.
&nbsp;
If you are not already a ZA Bank user, sign up now and enjoy a brand-new banking experience as Hong Kong&rsquo;s No.1 Virtual Bank1!&nbsp;
&nbsp;
<a style="background-color: #169179; color: #ffffff;" href="https://bank.za.group/en/account-open">Sign Up Now</a>
&nbsp;
1 &ldquo;No. 1 Virtual Bank&rdquo; refers to ZA Bank&rsquo;s leading position derived from the total number of users, deposits, assets and income as of 31 December 2022 among the eight licensed virtual banks that provides digital banking services (Source: Annual reports of eight virtual banks).

Can’t Receive Money Through FPS? Ways to Check Your Transfer Status and Default Bank

【ZA Bank】 Can’t Receive Money Through FPS? Ways to Check Your Transfer Status and Default Bank

<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content">
It&rsquo;s time for a new monthly deep dive! ☀️ Summer season is now in full swing, which means it&rsquo;s the perfect time to reward yourself with great offers and discounts via ZA Bank App!
&nbsp;
But wait a moment&hellip;what do you mean you don&rsquo;t know how to find your coupons? And did we hear you say that you want the juicy details about our latest offers? Well, you&rsquo;re in luck! 😉 Check out the following ZA Bank App features below, so you&rsquo;ll never miss out or lose sight of the great deals for shopping or consumption ever again!
&nbsp;
<h2 style="text-align: center;">🎫 Check out your coupons! 🎫</h2>
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f512de50-b99e-44d9-a592-d59531339bc4/8f0542c1-50c7-4a7e-8f81-c0ca288f3c88/EN-4 (Coupons).gif" alt="" width="647" height="750" />
&nbsp;
Want to view the coupons that you earned through ZA Quest, or somebody else gifted to you?
&nbsp;
Just tap on the Explore page, then the My Coupon banner, and you&rsquo;ll be able to see them all in one go! Just remember to use up your coupons before they expire!&nbsp; &nbsp;&nbsp;
&nbsp;
<h2 style="text-align: center;">🎁 Check out the various types of offers available! 🎁</h2>
&nbsp;
<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f512de50-b99e-44d9-a592-d59531339bc4/707cefc0-7056-4ff3-9120-77d1aeb31961/EN-1 (Offers).gif" alt="" width="647" height="750" /></div>
</div>
&nbsp;
Hungry for more value, or looking for shopping discounts when you&rsquo;re travelling? Look no further! Within the Explore page, right under the My Coupon banner, there is a row of offers that you can choose from to your heart&rsquo;s content &ndash; from shopping to dining, from fashion to travel, there&rsquo;s bound to be something for everyone!
&nbsp;
<h2 style="text-align: center;">📰 Check out the &ldquo;Discover&nbsp;More&rdquo; section for more offer details! 📰</h2>
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f512de50-b99e-44d9-a592-d59531339bc4/84604b6d-4320-4093-9671-a09ec29c1241/EN-2 (Discover More).gif" alt="" />
&nbsp;
Want something more in-depth that can explain our offers in detail? Or just looking for some light reading? You can browse a variety of articles, both past and present, under the &ldquo;Discover More&rdquo; section within the Explore page! New offers and discounts pop up all the time, so be sure to keep an eye out if you want further details!
&nbsp;
<h2 style="text-align: center;">📧 Check out the Inbox section! 📧</h2>
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f512de50-b99e-44d9-a592-d59531339bc4/7e638f5c-5516-4216-b322-2f3aeb89fd53/EN-3 (Inbox).gif" alt="" width="647" height="750" />
&nbsp;
Worried about missing out on our latest offers? No worries!
&nbsp;
Firstly, go to the Activity section on the ZA Bank homepage and tap on any &ldquo;Inbox&rdquo; notification! Afterwards, tap &ldquo;View More&rdquo; at the bottom, and then you can see a whole bunch of past and present offers for your reference!
&nbsp;
And that&rsquo;s it for our update! Be sure to tune in for our next deep dive of ZA Bank App features! See you all soon! &nbsp;😎🌊
</div>
</div>

🛍️ Your summer guide: Buy well and buy more!

【ZA Bank】🛍️ Your summer guide: Buy well and buy more!

How to open a ZA Bank account? Click here to know more😎!

【ZA Bank】How to open a ZA Bank account? Click here to know more😎!

【Credit Card Payment】After using your credit card for purchases, remember to keep track of the repayment due date and pay on time to avoid paying interest and penalty fees for late payments! If you have multiple credit cards from different banks, you can use the credit card repayment function in the ZA Bank App to manage your payments conveniently and quickly across different banks with just one app.
&nbsp;
In addition to the ability to manage cross-bank payments, the ZA Bank App's credit card repayment function also has 4 other thoughtful features that help you handle your credit card payments!
&nbsp;
<h2>Credit Card Payment Method | Manage Payments Across Different Banks with Faster Payment System (FPS) </h2>
The introduction of <a style="color: #169179;" href="https://bank.za.group/en/transfer" target="_blank" rel="noopener">Faster Payment System (FPS)</a> in 2018 has simplified the process of settling credit card payments across different banks in Hong Kong. With ZA Bank App, users can enjoy the hassle-free service by registering with only the cardholder&rsquo;s name, receiving bank, and credit card number.
&nbsp;
Apart from allowing users to settle credit card payments with ease, ZA Bank App&rsquo;s credit card repayment function also boasts 4 main features:
&nbsp;
1️⃣　Settle Payments of Multiple Credit Cards, Across Different Banks!
&nbsp;
2️⃣　Schedule Transfer Dates, Say Goodbye to Late Fees!
&nbsp;
3️⃣　Set up Regular Payments, Saving You Time and Effort!
&nbsp;
4️⃣ Apply for Installment Payment Periods of up to 72 Months, with Great Flexibility! To Borrow or Not to Borrow? Borrow Only If You Can Repay!
&nbsp;
<h2>Credit Card Payment Method | ZA Bank App&rsquo;s Credit Card Repayment Function </h2>
In just three simple steps, you can use ZA Bank App's credit card payment function settle your payments with ease!
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b40b757e-6d0c-4a64-a61d-eff745caef58/377ddd07-608c-45c7-9829-16529243935f/Slide9.JPG" alt="" width="1280" height="720" />
&nbsp;
💡 Step 1: On the &ldquo;Transfer&rdquo; page, click on &ldquo;Credit Card&rdquo;
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b40b757e-6d0c-4a64-a61d-eff745caef58/409c3680-d83e-4890-be90-035b1d0761dd/Slide10.JPG" alt="" width="1280" height="720" />
&nbsp;
💡 Step 2: Fill in your credit card number and related banking information
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b40b757e-6d0c-4a64-a61d-eff745caef58/04b3108c-1ad3-4934-8c81-313efa651ea8/Slide11.JPG" alt="" width="1280" height="720" />
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b40b757e-6d0c-4a64-a61d-eff745caef58/73e65cff-3e0b-45d4-a021-b3914a9507a2/Slide12.JPG" alt="" width="1280" height="720" />
&nbsp;
💡 Step 3: Input the amount and settle the payment with your balance in a swipe!
&nbsp;
😎 Quick tip: ZA Bank App's FPS cross-bank credit card repayment function supports 18 local banks in Hong Kong, so you can manage payments for most major banks' credit cards!
&nbsp;
In addition to simplifying the credit card repayment process, the function also offers the following thoughtful features:
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b40b757e-6d0c-4a64-a61d-eff745caef58/e5e0de12-3d63-4a70-83f3-8419a65d582b/Slide13.JPG" alt="" width="1280" height="720" />
&nbsp;
Save multiple credit cards from different banks, and you won&rsquo;t have to enter the details again for future payments!
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b40b757e-6d0c-4a64-a61d-eff745caef58/8a11a231-37ca-4649-86a4-a15467cac40c/Slide14.JPG" alt="" width="1280" height="720" />
&nbsp;
Set a scheduled transfer date for credit card payments, and ZA Bank App will automatically settle the payment on the specified date, providing greater financial flexibility!
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b40b757e-6d0c-4a64-a61d-eff745caef58/f46c1742-738c-4a40-b268-bfcaa64c0fc7/Slide15.JPG" alt="" width="1280" height="720" />
&nbsp;
Set up recurring credit card payments with a frequency and payment date of your choice, never miss a payment anymore!
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b40b757e-6d0c-4a64-a61d-eff745caef58/88d601a5-4b4c-4be4-9a10-ddf58f8f749c/Slide16.JPG" alt="" width="1280" height="720" />
&nbsp;
Want to pay installments? ZA Bank App has got it covered too!
&nbsp;
&bull; Apply with just one click and receive initial approval in 30 seconds 1
&nbsp;
&bull; Upload relevant documents (if required)
&nbsp;
&bull; Confirm your application and the funds will be disbursed to your credit card account immediately! 
<h2>&nbsp;</h2>
<h2>Get Started with ZA Bank&rsquo;s Credit Card Payment Function Today!</h2>
 All ZA Bank users can now use the credit card repayment function on the ZA Bank App, making it hassle-free to manage payments across different banks!
&nbsp;
If you are not already a ZA Bank user, sign up now and enjoy a brand-new banking experience as Hong Kong&rsquo;s No.1 Virtual Bank2!
&nbsp;
<a href="https://za.onelink.me/Lq9l/j3fe3ed5" target="_blank" rel="noopener">Sign Up Now</a>
&nbsp;
1 This approval result is preliminary. Users are required to submit proof documents before receiving the final result. The actual completion time varies across individuals. In general, provided that all required information is in order, an existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in &ldquo;Loan&rdquo; tab after logging into ZA Bank App. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
&nbsp;
2 &ldquo;No. 1 Virtual Bank&rdquo; refers to ZA Bank&rsquo;s leading position derived from the total number of users, deposits, assets and income as of 31 December 2022 among the eight licensed virtual banks that provides digital banking services (Source: Annual reports of eight virtual banks).

Credit Card Payment | Why Choose FPS to Settle Cross-Bank Credit Card Payments? Here are Four Reasons Why

【ZA Bank】Credit Card Payment | Why Choose FPS to Settle Cross-Bank Credit Card Payments? Here are Four Reasons Why

Don't miss our mid-year beauty extravaganza! 💥
&nbsp;
From today until June 18th, enjoy crazy deal $16/$60/$160 and selected products buy 2 save an additional $160, to uncover a world of beauty possibilities from over 600 global brands1 ✨
&nbsp;
Shop now and elevate your beauty routine!
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/65c21799-47e3-4b4f-99fa-489521587d4b/2a39eebd-a15b-4ca6-87dd-2c577cb772a0/SaSa 618 English.jpg" alt="" width="1280" height="1280" />
&nbsp;
When shopping at SaSa online store, you can enjoy an additional 5% rebate with ZA Card2! With the 5% rebate and the mid-year promotion discount of 618, you can enjoy even more savings and make your shopping more enjoyable!
&nbsp;
<h2>Father's Day Is Coming!</h2>
&nbsp;
Get your beloved dad a great surprise 😍 From today until June 18th, HUGE men's category up to 47% off and get 2X points1. Special Gifts for your forever hero! Better hurry.
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/65c21799-47e3-4b4f-99fa-489521587d4b/28f3c334-ec9b-4424-b760-7f9f55ed9624/SaSa Father English.jpg" alt="" width="1280" height="1280" />
&nbsp;
When shopping at SaSa online store, you can enjoy an additional 5% rebate with ZA Card2! Hurry up and pick a favorite gift for daddy 🛒
&nbsp;
<h2>How To Enjoy ZA Card&rsquo;s Additional 5% Rebate?</h2>
&nbsp;
1️⃣ Register as a member on the SaSa online store
&nbsp;
2️⃣ Use ZA Card for purchases and enjoy the 5% rebate2!
&nbsp;
1<a href="https://bank.za.group/agreement/html/en_US/1001353">Terms and conditions</a> apply.
&nbsp;
2From now till 30 Jun, spend with ZA Card at designated merchants to enjoy up to 5% ZA Coin rebate. Every HKD 1 eligible transaction will earn you 5 ZA Coin (equal to HKD 0.05). Participants must successfully link ZA bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion. <a href="https://bank.za.group/agreement/pdf/en_US/1000632" target="_blank" rel="noopener">Terms and conditions</a> apply.

SaSa Online Store | HUGE 47% Off + Additional 5% Rebate With ZA Card!

【ZA Bank】SaSa Online Store | HUGE 47% Off + Additional 5% Rebate With ZA Card!

【Rubber Duck】Back in 2013, a giant rubber duck floated into Hong Kong's harbour and became the talk of the town. It was the "Rubber Duck" artwork, created by Dutch artist Florentijn Hofman brought by creative brand AllRightsReserved (ARR). Now, ten years later, ARRbrings the Rubber Duck, with a buddy, back to Hong Kong again. This time, grown in size, the duo becomes DOUBLE DUCKS at the Central part of Victoria Harbour! 🥰 ZA Bank is proud to be one of the sponsors of the exhibition, bringing joy to the public this summer!
&nbsp;
ZA Bank is committed to the welfare of the community and actively engages with Hong Kongers through various events and channels, showcasing the human side of virtual banking. Like ARR and Hofman, ZA Bank hopes to spread warmth and love to people's hearts through the beloved image of the Rubber Duck. This article provides details about the "DOUBLE DUCKS" exhibition, including how to order the Hong Kong-exclusive DOUBLE DUCKS souvenir. It also explores the history of this artwork, Hofman's creative concept behind it, and a flashback to the previous exhibition of the Rubber Duck in Hong Kong. By the end of the article, you'll have everything you need to know about the Rubber Duck!😎
&nbsp;
Apart from spotting the Rubber Ducks in the wild, you can now also capture its image on the ZA Bank App! Simply participate in the &ldquo;Ducky Quest, Double Rewards1&rdquo; campaign and you will have a chance to win a limited edition DOUBLE DUCKS NFT and other exciting rewards! Want to win the DOUBLE DUCKS NFT? Don&rsquo;t miss out the event guide at the end of this article! 😎
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9c8e32a2-eb00-41ca-829e-d0c7244fcce8/33f70882-7f01-4d79-bbc6-2dbcb0ad6dd2/20230609_123221.jpg" alt="" />
&nbsp;
<h2>The Rubber Duck Returns with Acclaim in 2023! Details of the DOUBLE DUCKS Exhibition</h2>
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Starting from 10 June, 2023, the DOUBLE DUCKS will be held at Central part of Victoria Harbour. A decade later, the Rubber Duck has returned to Hong Kong after its last appearance! This time, the exhibition will showcase not just one, but two of them in the form of DOUBLE DUCKS!
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DOUBLE DUCKS is open to the public from June 10 onwards, with free admission. The exhibition period will depend on the weather, and the Rubber Ducks are expected to be on display for two weeks at Victoria Harbour. The exhibition location is near the Central and Western District Promenade (Central Section) and the nearby MTR Admiralty Station. According to our editorial team, the nearby Tamar Park is also a great spot to enjoy the cute poses of the Rubber Ducks!
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Sneak peek of DOUBLE DUCKS! 👇
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9c8e32a2-eb00-41ca-829e-d0c7244fcce8/5518ae2f-e9b2-465c-8b90-c87b189b5860/20230609_123319.jpg" alt="" />
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9c8e32a2-eb00-41ca-829e-d0c7244fcce8/c3913693-78d6-4597-8be9-50ec5f0ee11f/20230609_122827(0).jpg" alt="" />
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9c8e32a2-eb00-41ca-829e-d0c7244fcce8/0a1ba6b5-fc75-45e0-9664-0a664f702fb5/20230609_123016.jpg" alt="" />
<h2 aria-level="2">&nbsp;</h2>
<h2>Rubber Duck&rsquo;s Origin</h2>
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The Rubber Duck first made its debut in the Netherlands in 2007 and has since travelled to many locations around the world, including Hong Kong, Australia, Belgium, Canada, Japan, Korea, Singapore, Taiwan, the United States, Brazil, and the UK. Its adorable appearance while floating on water has captured the hearts of people worldwide, making it a beloved artwork.
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The Rubber Duck is made up of over 200 PVC pieces, which have undergone a series of treatments to enhance durability and waterproofing. Its enormous size and vibrant yellow colour give the impression of an enlarged rubber duck toy. As the artwork is placed in different locations around the world, it creates a landscape that is both familiar and surreal.
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The Rubber Duck features an electric fan inside that can inflate the artwork anytime, ensuring its shape is maintained under windy or rainy weather. In addition, the fan enables the Rubber Duck to float on water, the artwork's most prominent feature. Artist Hofman adjusts the Rubber Duck's size based on different exhibition locations and environments, making each displayed Rubber Duck unique.
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<h2>Creative Concept Behind the Rubber Duck</h2>
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Hofman often uses toy animals as models to create oversized public sculptures. The inspiration for the Rubber Duck came from his desire to interrupt people's daily routines and surprise them with a playful and nostalgic "Yellow Duck" toy that evokes fond childhood memories.
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Hofman sees the Rubber Duck as a giant toy and himself as a giant baby who brings his toys to people all around the world. The Rubber Duck transcends borders and brings joy to people from all walks of life, which is the main reason for its immense popularity. His playful and whimsical approach to art has made the Rubber Duck a beloved artwork that has captured the hearts of people across the globe.
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<h2>The Rubber Duck&rsquo;s Arrival in Hong Kong: A 2013 Sensation</h2>
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From May to June 2013, the Rubber Duck made a splash at Victoria Harbour and docked in the waters off Tsim Sha Tsui, attracting over 8 million visitors. Designed specifically for Hong Kong by Hofman, the Rubber Duck stood at a towering 16.5 meters, making it the world's second-largest rubber duck art installation at the time. Notably, the Rubber Duck's "spine" was manufactured at a local shipyard in Hong Kong.
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The exhibition of the Rubber Duck in Hong Kong became a popular photo spot for both locals and tourists, bringing a light-hearted and joyful atmosphere to the city. At the same time, it also sparked public interest and appreciation for public art in Hong Kong. The Rubber Duck's presence in Victoria Harbour was a testament to the city's openness to creativity and innovation, as well as its ability to embrace art as a means of bringing people together.
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9c8e32a2-eb00-41ca-829e-d0c7244fcce8/0e00149a-533c-4a68-9f24-0821be07958f/20230609_123024.jpg" alt="" />
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<h2>Differences Between the Rubber Ducks in DOUBLE DUCKS and the 2013 Version? Q&amp;A</h2>
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Q: How tall are the Rubber Ducks in DOUBLE DUCKS? 🐤
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A: The Rubber Ducks in DOUBLE DUCKS are 18 metres tall, 1.5metres more than the 2013 version!
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Q: So how tall exactly is 18 meters? 🤔
&nbsp;
A: They are as tall as a 7-story building! According to Hong Kong regulations, the height of a room in a building must be at least 2.5 meters, so the two Rubber Ducks stand at a height of 18 meters, which is even taller than a 7-story building!
&nbsp;
Q: Why is DOUBLE DUCKS exhibiting two Rubber Ducks this time? 🐤 🐤
&nbsp;
A: The inspiration for DOUBLE DUCKS came from the Chinese characters "囍" and "朋". The two Rubber Ducks will visit Hong Kong together, hoping to bring double the joy to the people of Hong Kong. The social distancing measures arose from the COVID-19 pandemic have significantly reduced human contact in the city, so the appearance of the two Rubber Ducks aims to reconnect people with each other once again.
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<h2>Securing the DOUBLE DUCKS Hong Kong-Exclusive Souvenirs</h2>
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In addition to the DOUBLE DUCKS exhibition with Hofman, AllRightsReserved also launched a collection of souvenirs, allowing everyone to bring home the adorable Rubber Ducks! The Hong Kong-exclusive DOUBLE DUCKS souvenirs include a limited release of 300 Rubber Duck bronze statues, handmade wooden Rubber Duck sculptures (already sold out), Rubber Duck vinyl and plush toys, and more. Some of the souvenirs also feature local Hong Kong characteristics, such as the Rubber Duck mahjong set, and the Rubber Duck ceramic tea set with blue and white porcelain pattern.
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All DOUBLE DUCKS souvenirs mentioned above can be purchased on the DDT Store website (<a href="https://ddtstore.com">https://ddtstore.com</a>). Customers can choose to have the souvenirs delivered or pick them up at the exhibition venue. It's worth noting that all DOUBLE DUCKS souvenirs are only available online and will not be sold on-site at the exhibition.
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9c8e32a2-eb00-41ca-829e-d0c7244fcce8/96ff8ad4-8546-4606-9f93-b5d5d31058b3/Key%20Visual_Vertical.jpg" alt="" width="1654" height="2339" />
&nbsp;
<h2>Join ZA Bank and Participate in the Campaign, Win a DOBULE DUCKS NFT!</h2>
&nbsp;
Join the &ldquo;Ducky Quests, Double Rewards! 1&rdquo; Campaign from today until 26 June, and complete three simple quests to win a limited-edition DOUBLE DUCKS NFT and awesome Rewards! These NFTs belong to a special series depicting the DOUBLE DUCKS with Hong Kong Signature Icons, with 6 different local designs and amounting to 4200 in total. Even celebrities are scrambling to collect them! Don't miss out on these highly valuable collectibles, grab yours now while they last!
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A sneak peek of the NFT series 👇
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9c8e32a2-eb00-41ca-829e-d0c7244fcce8/fcd486f0-610c-4cea-af9e-64bf7c0f95f8/6 Rubber Duck NFT.jpg" alt="" width="1280" height="720" />
&nbsp;
Still not a ZA Bank user? Download ZA Bank App now, follow 4 simple steps and you can open an account in as fast as 5 minutes! Press <a style="color: #169179;" href="https://za.onelink.me/Lq9l/r4k47fp3">here</a> for account opening details, and get your ZA Bank account now!
&nbsp;
1The Campaign Period of ZA Bank Limited (&ldquo;ZA Bank&rdquo;) Ducky Quests, Double Rewards Campaign (&ldquo;Campaign&rdquo;) is from 12th&nbsp;June 2023 to 26th&nbsp;June 2023 (both dates inclusive) (&ldquo;Campaign Period&rdquo;). Participants can participate in the Campaign by visiting the Ducky Quests, Double Rewards Campaign page on the ZA Bank App. Participants can redeem corresponding Rewards after completing each quest. Participants must complete the first quest before unlocking the second quest, and so on.&nbsp; The first 4,200 Participants who complete the quests and claim their Rewards will receive a DOUBLE DUCKS NFT Redemption Coupon and a 3.5% p.a. Time Deposit Rate-up Coupon; subsequent Participants who complete the quests and claim their Rewards will receive 3 MillionTix in June and a Global Transfer Cashback Coupon or a random Merchant Coupon. The Campaign is subject to its own <a href="https://bit.ly/3N81VBj">T&amp;Cs</a>.

ZA Bank is a sponsor of DOUBLE DUCKS: The Rubber Duck returns in 2023! 🥳

【ZA Bank】We're a sponsor of DOUBLE DUCKS: The Rubber Duck returns in 2023! 🥳

It looks like the weather&rsquo;s turning hotter and hotter, which can only mean one thing &ndash; it&rsquo;s time to start planning for your summer holidays! ☀️
&nbsp;
That&rsquo;s why this monthly deep dive will be covering features around ZA Card and spending! Make sure to read them all, so you can protect your money and your holiday in advance! 😉
&nbsp;
💳 Using your ZA Card abroad 💳
&nbsp;
Planning to use ZA Card for your shopping spree, or to withdraw cash from an ATM in a different country? Before you can do so, you must first complete the following steps below:
&nbsp;
💡 Step 1: From the ZA Bank App homepage, tap on Account, ZA Card, and then the Travel icon.
💡 Step 2: Tap on the Overseas Travel button on the right.
💡 Step 3: You can now select the options for ATM Withdrawal and Card Spending.
💡 Step 4: Input the country(ies)/region(s) you will be travelling to, and your travel period. Now you&rsquo;re ready to use your ZA Card abroad!&nbsp; &nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f460d2c-d784-400e-aca8-8222dd9d1e45/7d755202-33b6-46f8-b4e1-8ccc6650ad2f/ZA Card EN.gif" alt="ZA Card" width="646" height="750" />
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🔒 Lock your ZA Card 🔒
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You check your wallet, but your cash and your ZA Card have gone missing! Thankfully, you still have your phone with you, so what are you going to do now?
&nbsp;
💡 Step 1: From the ZA Bank App homepage, tap on Account, ZA Card, and then the Lock card icon.
💡 Step 2: A message will pop up &ndash; please tap Confirm to lock your ZA Card.
&nbsp;
That&rsquo;s it! No one else will be able to use your ZA Card &ndash; your money is safe with ZA Bank!
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f460d2c-d784-400e-aca8-8222dd9d1e45/c54568a1-3d9a-4eb4-aac8-eeae3a2dfd31/Lock Card EN.gif" alt="Lock your ZA Card" width="646" height="750" />
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🔎 ZA Verify 🔎
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ZA Bank is always on the lookout to protect your payments. But when you&rsquo;re overseas, a few transactions may be blocked as a security measure! So how do you verify them?
&nbsp;
💡 Step 1: To verify a transaction, go to the ZA Bank App homepage, tap on Account, ZA Card, and then the ZA Verify icon.
💡 Step 2: You can view your recent transactions under the following status columns: All, Pending, and Completed.
💡 Step 3: Tap on a transaction and select Approve or Decline. Remember to approve within 3 hours after rejection to spend again at the same merchant.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f460d2c-d784-400e-aca8-8222dd9d1e45/4296d98c-ec46-45c4-958c-36d127109268/ZA Verfiy EN.gif" alt="ZA Verify" width="646" height="750" />
&nbsp;
💰 Check your Monthly Spending 💰
&nbsp;
Once you&rsquo;re on a holiday overseas, there&rsquo;s so much to see, and eat, and buy, and spend&hellip; and suddenly, you&rsquo;ve spent too much! How can you keep track of your spending? It&rsquo;s easy:
&nbsp;
💡 Step 1: From the ZA Bank App homepage, tap on Account, ZA Card, and then the Monthly Spending icon.
💡 Step 2: View a breakdown of your monthly expenses, from groceries to ATM withdrawals! &nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f460d2c-d784-400e-aca8-8222dd9d1e45/1bf96907-118c-4b3d-bba9-c407512224bd/Monthly spending EN.gif" alt="Monthly spending" width="646" height="750" />
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And this concludes our monthly features deep dive for May! Don&rsquo;t worry, we&rsquo;ll have more tutorials and feature highlights in the months ahead! In the meantime, we wish you all safe travels, an upcoming happy holiday, and most importantly, safe spending with ZA Bank! &nbsp;😁⛱️ &nbsp;

【ZA Bank】Summer travel tutorial: 4 ways to spend safely abroad! ⛱️

Best way to earn rewards🎁? Swipe ZA Card and enter PowerDraw! What about the best way to get your favourite food👅? Use Deliveroo for sure! From now until 30 June 2023, spend with ZA Card and get a chance to win Deliveroo discount coupons1 via PowerDraw2. There are over 300,000 coupons waiting for you! Offers include:
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bebc1fa4-f9b1-40db-9bd5-c50068337434/d3442436-bd1f-41f7-b53e-c873d100425a/Deliveroo ZA Card 1.png" alt="" />
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HKD 100 new user discount coupon
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bebc1fa4-f9b1-40db-9bd5-c50068337434/aadcb8e9-a33a-4f71-b476-b9f4b4aa6829/Deliveroo ZA Card 2.png" alt="" width="900" height="408" />
&nbsp;
HKD 30 discount coupon on grocery orders &nbsp;
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bebc1fa4-f9b1-40db-9bd5-c50068337434/7586f4a9-9fdf-4f5b-968c-505c9a790c07/Deliveroo ZA Card 3.png" alt="" width="1125" height="510" />
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HKD 10 cash coupon
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bebc1fa4-f9b1-40db-9bd5-c50068337434/624ea4f8-bd42-42f6-9824-2967068a14af/Deliveroo ZA Card 4.png" alt="" width="1125" height="510" />
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HKD 5 discount coupon on pickup orders &nbsp;
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bebc1fa4-f9b1-40db-9bd5-c50068337434/2c2e63db-a924-4581-a603-ed77611ab6c4/Deliveroo ZA Card 5.png" alt="" width="1125" height="510" />
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HKD 20 discount coupon at&nbsp;TamJai
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bebc1fa4-f9b1-40db-9bd5-c50068337434/46251587-9177-40dc-85ad-ac97636920d2/Deliveroo ZA Card 6.png" alt="" width="1125" height="510" />
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HKD 20 discount coupon at McDonald&rsquo;s&nbsp;
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bebc1fa4-f9b1-40db-9bd5-c50068337434/ae649d9b-9119-4e6e-a4d7-15c900307593/Deliveroo ZA Card 7.png" alt="" width="1125" height="510" />
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HKD 20 discount coupon at&nbsp;Pizza Express
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bebc1fa4-f9b1-40db-9bd5-c50068337434/0d636783-72bb-41ef-a26c-aee92620ed7a/Deliveroo ZA Card 8.png" alt="" width="1125" height="510" />
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HKD 20 discount coupon at Yoshinoya&nbsp;
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<h2>Discount galore! Draw and get more!</h2>
&nbsp;
When placing your order at Deliveroo and using the coupon you won, don&rsquo;t forget to pay with ZA Card! A single purchase of HKD 10 or more will grant you another PowerDraw chance, and you may earn another Deliveroo discount coupon for your next meal! 🍛🍕🍔🥡
&nbsp;
Hesitate no more! Spend, draw, use, and get your favourite food and groceries delivered in minutes! 🏍 💨
&nbsp;
1. The merchant coupons are subject to its terms and conditions, users should refer to the relevant terms and conditions before use. Merchant coupons are provided by the merchant and is subject to its terms and conditions, including but not limited to services, products, prices, expiry date and terms of use. Please refer to relevant terms and conditions or check with relevant merchant for details. ZA Bank will not be responsible for any unsuccessful use of the specific merchant coupons.
 2. Each eligible transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. 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. <a href="https://group.us19.list-manage.com/track/click?u=b7b6400c23a116f071f9a0885&amp;id=13c27066fc&amp;e=1588170948">Terms and conditions</a> apply.

Deliveroo Coupon 2023 | Over 300,000 Deliveroo rewards delivered to PowerDraw! 😋

【ZA Bank】Deliveroo Coupon 2023 | Over 300,000 Deliveroo rewards delivered to PowerDraw! 😋

ZA Bank is a leading Hong Kong digital bank for the new and hi-tech generation, and we&rsquo;re here to stay.😎We&rsquo;re proud that we can help people manage their money from all walks of life via ZA Bank App, by offering everything from deposits to transfer to investment funds to insurance through ZA Bank App. ✨💰✨
&nbsp;
Even so, how do we stand out from the rest? What makes us particularly special to our users, in a world already saturated with banks? 🤔💭To answer these questions, we&rsquo;ve created a list of 9 reasons how ZA Bank can supercharge a person&rsquo;s life like no other, and improve his or her wellbeing in so many little ways. 💡💡💡
&nbsp;
1. Hong Kong&rsquo;s No. 1 Virtual Bank. Fully regulated. Widely trusted. 🔒
&nbsp;
Trust is key when it comes to all things around money, and there&rsquo;s nothing more important than putting your money in a safe and trustworthy place. As ZA Bank is a fully licensed and regulated bank in Hong Kong, you can be confident that your deposits are in safe hands with us.
&nbsp;
2. Save time &ndash; Fulfil all your financial needs with a few taps of your fingers! ⌛
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Banking for us is all about efficiency. That means no more standing in a long queue at a bank branch, no more waiting for opening and closing times, or exchanging your currency at the right hours. We believe that it should be about your money, your time, and your choice &ndash; made possible with a few taps of your fingers! &nbsp;&nbsp;
&nbsp;
3. Clarity is our mandate. 🔎
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That&rsquo;s right, every transaction is laid out for your convenience and reference! This means you can check if your friend still owes you lunch money from last Tuesday, or when exactly you bought that plane ticket to Tokyo from&hellip;years ago, perhaps? Anyways! We promise you that everything will be clear and transparent, which means no hidden charges or fees.
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/014acb8d-17ec-4da3-8087-5022453bb4ca/9c5e89ec-7100-490c-a034-9ff9070f4e4c/Clarity is our mandate - EN.png" alt="" width="1340" height="640" />
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4. Tap and pay your way through life, along with a customized card number! 💳
&nbsp;
With ZA Card, that allows you to customize your card numbers, the magic happens instantly with a tap. Paying for drinks and meals or brand-new clothes has never been easier! However, if you still need cash, you can enjoy free cash withdrawal with your physical card, at over 3,000 local banks&rsquo; ATMs with a Visa logo in Hong Kong! Best of all, there are no annual fees, interest charge or late fees at all!
&nbsp;
5. Nothing is too big to insure! 🏥
&nbsp;
Cancer? Heart attacks? Life protection? Accident protection? ZA Insure can offer different types of protection for users. As ZA Bank is an authorized insurance agent of ZA Insure, you can browse through ZA Bank App to learn about ZA Insure's insurance products. If a product meets your needs, you can apply for it directly on ZA Bank App, which only takes a few minutes! (By the way, the prices are also awesome!)
&nbsp;
6. Nothing is too small to invest! 🤑
&nbsp;
Want to earn more steadily? 💵 Sure! We have great time deposit rates, and rate-up coupons that can boost the amount that you earn.
&nbsp;
Looking out for the right opportunities instead? 🧠 No problem! We have partnered with top-notch fund houses around the world to provide quality funds for you!
&nbsp;
7. You have our pinky-promise to get 24/7 customer service. 💪
&nbsp;
Got questions in the middle of the night? Stuck on certain issues in ZA Bank App? We&rsquo;ll take it from here! Just sit back and contact our customer service team via ZA Bank App, and we&rsquo;ll be sure to resolve your problems in no time!
&nbsp;
<div><img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/014acb8d-17ec-4da3-8087-5022453bb4ca/76634ebe-3583-4b8b-b2f4-02b882e1bcb2/247 customer service - EN.png" alt="" width="1340" height="640" /></div>
&nbsp;
8. Be protected by a digital fortress against financial loss or fraud. 🛡️
&nbsp;
Lost your ZA Card? Deactivate it with one swipe in ZA Bank App. Worried about identity fraud? Chillax! We have cutting-edge live facial verification features, so don&rsquo;t worry about your account details even if you lose your phone, password, or username. 🔒 And by the way, we check if your phone has been infected with malware when you open ZA Bank App, and we safeguard your transactions too!
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/014acb8d-17ec-4da3-8087-5022453bb4ca/ca2eb19a-5a65-4048-bc74-b678cf41733e/Be protected by a digital fortress against financial loss or fraud - EN.png" alt="" width="1340" height="640" />
&nbsp;
9. And now&hellip;just open your account in 5 minutes! 🤩 
&nbsp;
Signing up for an account at ZA Bank is easy and can be completed in as fast as 5 minutes! Once you <a style="color: #169179;" href="https://bank.za.group/hk/account-open" target="_blank" rel="noopener">set up an account</a>, you&rsquo;ll be joining a growing ZA community of more than 650,000 users. The more people sign up, the more we can expand ZA Bank App features to meet our users&rsquo; needs!&nbsp;
&nbsp;
<hr />
&nbsp;
&lsquo;No.1&rsquo; is defined by ZA Bank&rsquo;s leading position in the virtual banking industry in terms of customer deposits, loans &amp; advances, and number of users as of 30 June 2022. Source: Interim results announcements of eight virtual banks.
&nbsp;
Important risk statement
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. This promotion material 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. This promotion material 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 information, products and services available is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction. 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.

【ZA Bank】9 ways ZA Bank can supercharge your life 💪

When&rsquo;s ZA Bank&rsquo;s birthday?
Three&hellip; Two... One&hellip; The answer is 24 Mar! 🎂
If you don&rsquo;t know the answer, we bet you didn&rsquo;t follow our Instagram @zappy_alfie.
Follow now to meet our cute mascots &ndash; Zappy and Alfie! 👇👇👇
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b490ceb9-8da0-4183-a4c4-f52bcd1fabf6/fe6694c6-68cd-4b5d-abd8-e5165bcc2f15/IG follower booster plan eDM_qr code.jpg" alt="" width="1200" height="442" />
@zappy_alfie
&nbsp;
<hr />
&nbsp;
ZA Bank turns 3
And we&rsquo;re giving out up to 3,333 gifts!
&nbsp;
Here&rsquo;s the game rule: If Instagram @zappy_alfie hits the following specific number of followers on ZA Bank&rsquo;s birthday, Zappy Alfie will give out up to 3,333 ZA Coffee Pass - Starbucks coffee vouchers sponsored by ZAIF1,2! ☕
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b490ceb9-8da0-4183-a4c4-f52bcd1fabf6/c73a7e1c-feef-493b-9e9d-4635125226bf/IG follower booster plan eDM_table_en.jpg" alt="" />
The more followers we have, the higher winning chance you will get! Tell your friends who have a ZA Bank account now! 👯
More happenings exclusively on Instagram @zappy_alfie are on their way. Don&rsquo;t miss out!
&nbsp;
<hr />
&nbsp;
Coffee Pass
Th cheap and easy way to get caffeinated
&nbsp;
What makes coffee great? Of course, the taste and the price!
Redeem your coffee vouchers with ZA Coins or ZA Coins plus HKD dollars through the ZA Bank App to enjoy it! 🥰
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b490ceb9-8da0-4183-a4c4-f52bcd1fabf6/e4242a8e-22c3-4418-85b2-6c34ef9e9f04/IG follower booster plan eDM_coffee pass_en.jpg" alt="" />
<hr />
&nbsp;
We&rsquo;ve got more for our ZA Bank&rsquo;s birthday. Stay tuned for more surprises on our Instagram @zappy_alfie!
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b490ceb9-8da0-4183-a4c4-f52bcd1fabf6/dc1eae5a-803f-4fe6-9b90-aaa0c8fc0b10/IG follower booster plan eDM_qr code.jpg" alt="" width="1200" height="442" />
Follow NOW!!!
&nbsp;
<hr />
1. &ldquo;ZA Bank 3,333 Cups of Coffee Giveaway&rdquo; is from 1 March 2023 to 24 March 2023. Participants must successfully opened an account in ZA Bank and follow Instagram @zappy_alfie during the Campaign Period and until 3 calendar days after the Campaign Period ends. If Instagram @zappy_alfie reaches the designated accumulated number of followers by the end of the Campaign Period, ZA Bank will draw the designated number of winners from the list of Instagram @zappy_alfie account followers on 27 March 2023. No winner will be drawn if the accumulated number of followers of the corresponding account does not meet 38,000. ZA Bank will announce the winners on Instagram @zappy_alfie through Instagram Stories on 28 March 2023. Each winner will be rewarded a ZA Coffee Pass - HKD 25 Starbucks Coffee Voucher sponsored by ZA International Financial Services Limited (&ldquo;ZAIF&rdquo;). <a href="https://bank.za.group/agreement/html/en_US/1001184">Terms and Conditions</a>&nbsp;apply.
2. The vouchers are subject to its terms and conditions, Participants should reference to the relevant terms and conditions before use. Vouchers are provided by the merchant and is subject to its terms and conditions, including but not limited to services, products, prices, expiry date and terms of use. Details please refer to relevant terms and conditions or check with relevant merchant. ZA Bank will not be responsible for any unsuccessful use of the vouchers.

【ZA Bank】We’re giving out up to 3,333 gifts on our 3rd birthday! 🎂🎁

🎊 Mabuhay ang Philippine Peso! 🎊
&nbsp;
We are proud to announce today that we have added the Philippine Peso currency to ZA Remit! With ZA Bank App, you can now convert your HKD to PHP and quickly send it abroad to the Philippines in one step! 🚀 That&rsquo;s right &ndash; one step only!!
&nbsp;
But you may be asking: Why should I choose ZA Bank App to send money overseas? 🤔 What&rsquo;s the difference between ZA Bank and other banks? If I frequently send money back to the Philippines, wouldn&rsquo;t the fees be quite expensive?
&nbsp;
It&rsquo;s simple! 😄
&nbsp;
We have three things that are better than many other banks: SPEED, CONVENIENCE, and LOWER FEES. Think about it&hellip;You won&rsquo;t have to wait in long queues anymore at a traditional bank branch, or to cater for a bank&rsquo;s opening and closing times. YOU can decide when and how to send your money, and all from the comfort of your own bed. 🛌😴
&nbsp;
Don&rsquo;t believe it? As a reminder, check out the many benefits below that ZA Remit can bring you!
&nbsp;
<table style="border-collapse: collapse; width: 99.8994%; height: 715px; border-color: #000000; border-style: solid;" border="2">
<tbody>
<tr>
<td style="width: 17.8808%;" width="108">
&nbsp;
</td>
<td style="width: 39.5127%;" width="240">
Traditional Wire Transfer
</td>
<td style="width: 41.6443%;" width="253">
ZA Remit
</td>
</tr>
<tr>
<td style="width: 17.8808%;" width="108">
Arrival speed ⏲️
</td>
<td style="width: 39.5127%;" width="240">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/f9344ffe-cc71-403b-aa2e-b0086e8446c4/Red Cross.png" alt="" width="19" height="19" /> 1-5 working days
</td>
<td style="width: 41.6443%;" width="253">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/0a86ac8a-0619-4d65-9517-174802406a96/Greent Tick.png" alt="" width="19" height="19" /> 50% of global money transfers via Wise completed in 20 seconds<a href="#_ftn1" name="_ftnref1">[1]</a>
</td>
</tr>
<tr>
<td style="width: 17.8808%;" width="108">
Exchange rate ⚖️
</td>
<td style="width: 39.5127%;" width="240">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/f9344ffe-cc71-403b-aa2e-b0086e8446c4/Red Cross.png" alt="" width="19" height="19" /> Hidden rate markups
</td>
<td style="width: 41.6443%;" width="253">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/0a86ac8a-0619-4d65-9517-174802406a96/Greent Tick.png" alt="" width="19" height="19" /> Uses the mid-market rate<a href="#_ftn2" name="_ftnref2">[2]</a> without any markups
</td>
</tr>
<tr>
<td style="width: 17.8808%;" width="108">
Cost 💸
</td>
<td style="width: 39.5127%;" width="240">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/f9344ffe-cc71-403b-aa2e-b0086e8446c4/Red Cross.png" alt="" width="19" height="19" />&nbsp;A variety of fees. Also, it is generally difficult for the remitter to know the actual fee amount and the actual amount received by the beneficiary before the wire transfer.
</td>
<td style="width: 41.6443%;" width="253">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/0a86ac8a-0619-4d65-9517-174802406a96/Greent Tick.png" alt="" width="19" height="19" /> Only a basic handling fee, consisting of a Wise handling fee and a convenience fee<a href="#_ftn3" name="_ftnref3">[3]</a> , is required.
</td>
</tr>
<tr>
<td style="width: 17.8808%;" width="108">
Transparency 🔍
</td>
<td style="width: 39.5127%;" width="240">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/f9344ffe-cc71-403b-aa2e-b0086e8446c4/Red Cross.png" alt="" width="19" height="19" /> Only some banks will provide free wire transfers
</td>
<td style="width: 41.6443%;" width="253">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/0a86ac8a-0619-4d65-9517-174802406a96/Greent Tick.png" alt="" width="19" height="19" /> ZA Bank App will notify a user of the progress of the transfer so that he or she can track the payment
</td>
</tr>
<tr>
<td style="width: 17.8808%;" width="108">
Safety 🛡️
</td>
<td style="width: 39.5127%;" width="240">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/0a86ac8a-0619-4d65-9517-174802406a96/Greent Tick.png" alt="" width="19" height="19" /> Guaranteed by a licensed bank
</td>
<td style="width: 41.6443%;" width="253">
&nbsp;<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/0a86ac8a-0619-4d65-9517-174802406a96/Greent Tick.png" alt="" width="19" height="19" /> Wise is regulated in all markets where it operates, including Hong Kong; ZA Bank is a licensed bank in Hong Kong
</td>
</tr>
<tr>
<td style="width: 17.8808%;" width="108">
Convenience 📱
</td>
<td style="width: 39.5127%;" width="240">
&nbsp;<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/f9344ffe-cc71-403b-aa2e-b0086e8446c4/Red Cross.png" alt="" width="19" height="19" /> Some banks require the remitter to convert the currency before they can make a wire transfer; others do not support wire transfers with mobile apps.
</td>
<td style="width: 41.6443%;" width="253">
&nbsp;<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/f2ef2042-55c9-4322-9811-28d1bae95696/0a86ac8a-0619-4d65-9517-174802406a96/Greent Tick.png" alt="" width="19" height="19" /> Currency exchange and remittance are combined into one step. The remittance process is completed through ZA Bank App, without switching to other applications or platforms.
</td>
</tr>
</tbody>
</table>
&nbsp;
The best way to believe it is to try it! 😉
&nbsp;
Starting using ZA Remit today by tapping on the Global Transfer icon in ZA Bank App!
&nbsp;
<a href="#_ftnref1" name="_ftn1">[1]</a> <a href="https://wise.com/gb/blog/q3-2022-mission-update-speed" target="_blank" rel="noopener">https://wise.com/gb/blog/q3-2022-mission-update-speed </a>
&nbsp;
<a href="#_ftnref2" name="_ftn2">[2]</a> Wise uses rates independently provided by Reuters, XE, and Google to provide mid-market rates, the midpoint between global money market buy and sell rates, in real time.
&nbsp;
<a href="#_ftnref3" name="_ftn3">[3]</a> Fees charged will be calculated based on the currency and transfer amount.

✌️ Long live the Philippine Peso + ZA Remit!🎉

ZA Bank, together with two leading fund houses &ndash; Allianz Investment and Taikang Asset (Hong Kong), had earlier jointly organized the "2023 Investment Market Outlook and Opportunities" luncheon. We were honored to have two distinguished guests, Mr. Paul Fu, Director of Allianz Investment, who explained the 2023 US market outlook and Mr. Raymond Sze, Executive Director and Head of Product and Sales of Taikang Asset (Hong Kong), who provided information on the investment opportunities in various asset classes in 2023.
&nbsp;
During the event, Mr. Fu shared several US investment market trends 👀 and Mr. Sze also shared information on money market funds and the outlook for China and Hong Kong stock markets Here are some of the highlights they shared at the luncheon:
<h2> The US market outlook</h2>
 The consumer and the labor market remained resilient, and third-quarter and fourth-quarter corporate earnings were were not worse than feared in 2022. All these factors may help boost investor appetite for stocks and credit.
&nbsp;
The Fed may have a slower pace of rate increases, which may eventually peak in 2023.
&nbsp;
With the shift to an inflation-led regime (as opposed to a growth-led regime), it is considered that market conditions may become more conducive to relative-value positioning and multi-asset positioning.
&nbsp;
<h2>Money Market Funds and China &amp; Hong Kong Stock markets outlook</h2>
&nbsp;
The interest rate for money market funds is expected to remain high in 2023.
 The Hong Kong stock market is the most flexible Chinese stock market that benefits from the relaxation of epidemic prevention policies, and it is also the most beneficial market from policy shift in China.
&nbsp;
China's domestic policy shift is expected to drive continued recovery in 2023.
&nbsp;
More fantastic events are coming soon. Stay tuned for our updates!
&nbsp;
Source: Allianz Investment and Taikang Asset (Hong Kong) 
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c3dfe0aa-1c5d-4540-b987-9de712d338fe/809407e6-e069-4775-8b64-a83c6b667e3c/组 5.jpg" alt="" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c3dfe0aa-1c5d-4540-b987-9de712d338fe/573f21e4-8224-4a2d-9f47-5e015031093c/组 2.jpg" alt="" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c3dfe0aa-1c5d-4540-b987-9de712d338fe/fcfe5bed-1362-4182-a209-63ca305f71f0/组 7.jpg" alt="" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c3dfe0aa-1c5d-4540-b987-9de712d338fe/5c211ada-9c2d-42e0-af9f-1276d2e411f1/组 1.jpg" alt="" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c3dfe0aa-1c5d-4540-b987-9de712d338fe/f4144ccd-6e1f-44c6-97e1-eb09a7eae2cc/组 4.jpg" alt="" />
&nbsp;
Important risk statement
&nbsp;
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. This promotion material 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. This promotion material 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 information, products and services available is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction. 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.

2023 Investment Market Outlook and Opportunities  

🔥WOOHOO!🔥
&nbsp;
Our latest, greatest ZA Bank update has arrived, and just in time to supercharge your financial freedom in the Year of the Rabbit! Since a new year means a new start, we&rsquo;re bringing you new and better features, a better layout, better design&hellip;basically, it&rsquo;s better EVERYTHING for all ZA Bank users!
&nbsp;
Let&rsquo;s not waste any more time! Check out the awesome updates you&rsquo;ll get with what we&rsquo;re rolling out today!🤩
&nbsp;
<h2 style="text-align: center;">🎁FOUR can&rsquo;t-miss updates for your ZA Bank App homepage🎁</h2>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/81d05b45-e53e-46e4-baa6-08086f072ae2/c1a730c8-4331-4874-ba7b-7bd82299766b/FOUR can&rsquo;t-miss updates for your ZA Bank App homepage.png" alt="" width="1340" height="640" />
&nbsp;
💡&nbsp;A faster and more convenient experience, thanks to a new look and interface!
&nbsp;
💡&nbsp;View your asset information with even more clarity! That&rsquo;s right, we&rsquo;ve been listening &ndash; your total assets and savings are now clearly displayed in the upper left of the homepage!
&nbsp;
💡&nbsp;Easily access and select your favourite features in no time with 8 shortcuts! Best of all, you can tap the &lsquo;All&rsquo; button to pick from every shortcut we have on offer!
&nbsp;
💡&nbsp;The widget function has now been seamlessly integrated into the new interface! You can still view them by swiping left!
&nbsp;
<h2 style="text-align: center;">And that&rsquo;s not all! We&rsquo;ve shown some love for the Explore page in ZA Bank App too!</h2>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/81d05b45-e53e-46e4-baa6-08086f072ae2/0c36bf73-c98e-4592-9be4-0d9965b768b1/We&rsquo;ve shown some love for the Explore page in ZA Bank App too.png" alt="" width="1340" height="641" />
&nbsp;
💡&nbsp; A new ZA Card area at a glance!
&nbsp;
💡&nbsp;Get a smarter and more tailored experience! Discover more relevant discounts, offers and other information that you may be interested in! 🧠
&nbsp;
In light of the awesome upgrades above, what else do we have to say?
&nbsp;
⏳It&rsquo;s time for you to update ZA Bank App! It&rsquo;s THE update of the year that will change your ZA Bank App for good, so let&rsquo;s go, go, go and supercharge your ZA experience now! 😉

A MAJOR UPDATE for ZA Bank App is here!

🚀A MAJOR UPDATE for ZA Bank App is here!😲

Apart from the traditional rituals, like eating turnip cakes 🍽 and getting red packets 🧧, joining our celebration during the Chinese New Year is a must too!&nbsp;
&nbsp;
<hr />
&nbsp;
Jan round-up
&nbsp;
We brought Millions of Lai See Delights celebration back for the Year of the Rabbit! And this time, we added more to it!
&nbsp;
&nbsp;
🐰 8-Bunny Prize Squad
&nbsp;
ZA squad, assemble! 📢 For our Chinese New Year campaign &ndash; 8-Bunny Prize Squad1 this year, we partnered with three big brands &ndash; McDonald&rsquo;s, Starbucks, and Swire Coca-Cola Hong Kong to give out rewards worth HKD 10 million to all Bunny Card collectors. And not to mention, congratulations to those of you who have collected all 8 types of Bunny Cards and won the Final Rewards of up to 10 million ZA Coin2. We hope this made the new year fun and unique!
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a1fa9f72-62f8-465e-946c-a3f97cd1072c/874c0baa-c325-443d-9443-8fcac78fe351/05012023 CNY facebook post_ver2_eDM_en.png" alt="" width="1200" height="675" />
&nbsp;
&nbsp;
🧧 E-laisee with surnames 
&nbsp;
To make your new year blessings more personalised and meaningful, we added new selections to our e-laisee covers - capital letters in English or 46 Chinese surname characters in the Lee Hon Kong Kai style! This is a handwritten regular script font from Hong Kong street calligrapher Mr. Lee Hon and was widely used on the signboards of Hong Kong in the 1970s and 1980s.
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a1fa9f72-62f8-465e-946c-a3f97cd1072c/9856da28-1628-42bb-9cff-9a0855d9763d/05012023 CNY facebook post_ver1_eDM3.png" alt="" width="1200" height="675" />
&nbsp;
&nbsp;
🥤 The Red PowerDraw Machine3
&nbsp;
We turned our signature PowerDraw Machine into vending machines with 3 different appearances, and an array of rewards sponsored by Swire Coca-Cola Hong Kong during the holidays. Cheers to the sparkling Year of the Rabbit! 🥂
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a1fa9f72-62f8-465e-946c-a3f97cd1072c/82504520-7c57-4673-b9a2-3e75b23baf11/30012023 Monthly newsletter blog banner_cola_en.png" alt="" width="1200" height="682" />
&nbsp;
&nbsp;
☕ Coffee Pass
&nbsp;
While you are enjoying a discounted coffee redeemed with ZA Coins (fully or partially with cash) at Starbucks, %Arabica and Classified4, have you noticed the free coffee giveaway on our Instagram5? Don't worry if you missed it. Just remember to follow us on Instagram @zappy_alfie to stay updated! We will be hosting another one very soon!
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a1fa9f72-62f8-465e-946c-a3f97cd1072c/8f563f08-605b-41b2-b336-ff6cec6c84d8/Screenshot 2023-02-03 172036.png" alt="" width="1522" height="852" />
&nbsp;
<hr />
&nbsp;
Upcoming events
&nbsp;
Here are some events to look forward to!
&nbsp;
&nbsp;
📱 ZA Bank App update
&nbsp;
We are giving a few tabs in our bank app a new look, so stay tuned for a better banking experience!
&nbsp;
&nbsp;
💚 User gatherings
&nbsp;
Let&rsquo;s connect, share and grow together! We will host a series of user gatherings where you can meet other like-minded ZA Bank users and get to know more about ZA plus the team! Vote in the ZA Bank app and let us know your preferences about the events.
&nbsp;
<hr />
&nbsp;
And that&rsquo;s all for the recap! Happy Chinese New Year! May the Year of Rabbit bring you good luck, health and joy! 🧧
&nbsp;
&nbsp;
&nbsp;
&nbsp;
1 ZA Bank Limited&rsquo;s &ldquo;8-Bunny Prize Squad&rdquo; Campaign is from 16 January 2023 to 31 January 2023, both dates inclusive. To be eligible for the Campaign, Participants must be existing ZA Bank user. Play mini-games or complete ZA Quest tasks on the event page to get Bunny Cards. Flipping each Bunny Card will give you a random reward, including ZA Coin, ZA Bank coupons, and merchant discount coupons and MillionTix. The total value of rewards exceeds HKD 10,000,000. If Participants do not flip a &ldquo;Bunny Card&rdquo; and redeem the Rewards before 23:59 on 31 January 2023, the Rewards will be deemed as forfeited and ZA Bank will not reissue Rewards. MillionTix is not applicable to any &ldquo;Bunny Card&rdquo; obtained through "Lucky Bag", &ldquo;Loyal ZA Bank Fans KOL Social Campaign&rdquo; and &ldquo;ZA Bank Official Instagram CNY Social Game&rdquo;. <a style="color: #7e8c8d;" href="https://bank.za.group/agreement/html/en_US/1001086">Terms and conditions</a> apply.
&nbsp;
2 There are 8 types of &ldquo;Bunny Cards&rdquo; in &ldquo;8-Bunny Prize Squad&rdquo; Campaign. Participants who have collected all 8 "Bunny Cards" at the end of the Campaign will be eligible to share up to 10,000,000 ZA coin (&ldquo;Final Rewards&rdquo;). The Final Rewards will be rewarded in ZA Coin, the basic prize pool for the Final Rewards is 10,000,000 ZA Coin, the final prize pool depends on the total number of Participants. For example, if the final prize pool is 10,000,000 ZA Coin, and there are 1,000 Participants who have collected all 8 types of "Bunny Cards", each Participant will be awarded 10,000 ZA Coin (equivalent to HKD 100). Each Participant can only have one chance to share the Final Rewards. The more the Participants during the Campaign period, the greater the final prize pool will be. The exact amount of ZA Coin for the Final Rewards and each Participant can share is announced on 3 February 2023. ZA Coin will be credited to Participants&rsquo; ZA Coin account within 10 working days by ZAIF.
&nbsp;
3 Each eligible 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 of 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.&nbsp;<a style="color: #7e8c8d;" href="https://bank.za.group/agreement/html/en_US/1000025">Terms and conditions</a>&nbsp;apply.
&nbsp;
4 Each coupon is subject to its terms and conditions, users should reference to the relevant terms and conditions before use. Coupons are provided by the merchant and is subject to its terms and conditions, including but not limited to services, products, prices, expiry date and terms of use. Details please refer to relevant terms and conditions or check with relevant merchant. ZA Bank will not be responsible for any unsuccessful use of the coupons.
&nbsp;
5 ZA Bank Limited official Instagram &ldquo;ZA Coffee Pass CNY Photo Challenge&rdquo; is on 21 January 2023. Participants must fulfil the requirements stated in the corresponding post on the Campaign Date and successfully opened an account in ZA Bank before Reward distribution. &nbsp;ZA Bank will announce the winners on ZA Bank official Instagram (@zappy_alfie) and tag the winner&rsquo;s Instagram account through Instagram Stories on 26 January 2023. <a style="color: #7e8c8d;" href="https://bank.za.group/agreement/html/en_US/1001118">Terms and conditions</a> apply.
&nbsp;

This is how we celebrated the Year of Rabbit!

【ZA Bank】This is how we celebrated the Year of the Rabbit! 🐰

Here comes the end of 2022. ⏳ Before ringing in the new year, let&rsquo;s see what we were up to over the last two months and what&rsquo;s in store next!
&nbsp;
<hr />
&nbsp;
Nov - Dec round-ups
&nbsp;
We have loads going on in these months, but if we have to pick, here are our favourites! 💚
&nbsp;
&nbsp;
⚽ Millions Trophy
&nbsp;
Congratulations to Argentina for clinching the championship! 🏆 While watching the exciting matches (the final is just epic!), did you get the chance to join our celebrations online and offline? We hope you enjoyed the prizes and the little games we prepared!
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/198bece4-5eea-4f74-a3a9-8b3c1dcce68d/54970397-f231-45a7-ba7b-6d00a6398505/28122022 Monthly newsletter blog banner_Millions Trophy screencaps_en.jpg" alt="" width="1200" height="562" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/198bece4-5eea-4f74-a3a9-8b3c1dcce68d/3df41479-297b-4860-9d15-583f3d49b523/MicrosoftTeams-image (386).png" alt="" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/198bece4-5eea-4f74-a3a9-8b3c1dcce68d/c10298f5-8e1c-41de-b35c-b29ad2891d9e/Screenshot 2022-12-29 172146.png" alt="" width="1597" height="1063" />
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&nbsp;
💬 ZA Business Talks: Retail F&amp;B SMEs
&nbsp;
Part of fighting COVID-19 means supporting businesses and communities. 💪 Earlier this year, we launched the Stay Safe offer. And recently, we have invited a few subject experts, including FlexSystem, Airwallex, GS1 Hong Kong and BKT Group, to share the tips for SMEs to succeed during the pandemic. More future events and surprises on its way, so keep an eye out!
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/198bece4-5eea-4f74-a3a9-8b3c1dcce68d/95b65d56-313b-42df-b4a1-946f70b87eb2/MicrosoftTeams-image (385).png" alt="" />
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<hr />
&nbsp;
New services
&nbsp;
There are few new cool services that we couldn&rsquo;t wait until 2023 to share. 💨
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&nbsp;
🌎 ZA Remit
&nbsp;
Together with Wise, we are bringing you a faster, cheaper, and safer way for international money transfers with 14 currencies.
&nbsp;
Learn more 👉 <a style="color: #32cb9d;" href="https://bank.za.group/en/ZARemit">https://bank.za.group/en/ZARemit</a>
&nbsp;
Screen info for reference only. <a href="https://cdn.zaticdn.com/bank/app/Outward_Remittance_Terms_and_Conditions_EN.pdf">Terms and conditions</a> apply.
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/198bece4-5eea-4f74-a3a9-8b3c1dcce68d/fd98b908-314f-462d-980c-479179b3ceb0/MicrosoftTeams-image (389)1.png" alt="" />
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/198bece4-5eea-4f74-a3a9-8b3c1dcce68d/de92234c-f623-4ec1-8928-cf86ba51dd82/28122022 Monthly newsletter blog banner_Remit screen_en.jpg" alt="" />
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&nbsp;
💱 Foreign exchange 
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Swap and switch 24x7! 💴 💵 With 3 simple steps, you can exchange 3 major currencies (USD, RMB and HKD) within your savings account with zero handling fees.
&nbsp;
Learn more 👉 <a style="color: #32cb9d;" href="https://bank.za.group/en/foreignexchange">https://bank.za.group/en/foreignexchange</a>
&nbsp;
Foreign exchange involves risks. Screen info for reference only.
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/198bece4-5eea-4f74-a3a9-8b3c1dcce68d/c03a18bc-1d13-4306-9c5f-02137cde8bb9/28122022 Monthly newsletter blog banner_FX screen_en.jpg" alt="" />
&nbsp;
&nbsp;
💼 ZA Dash
&nbsp;
An express business account opening experience, specifically for SMEs! Now you can open your business account as fast as 1 working day after submitting the application documents online, which gives you the access to a wide range of online banking services.
&nbsp;
Learn more 👉 <a style="color: #32cb9d;" href="http://bank.za.group/en/business">bank.za.group/en/business</a>&nbsp;
&nbsp;
Eligible companies must be registered and operating in Hong Kong and with tax jurisdiction in Hong Kong only. For more information on eligibility criteria:&nbsp;<a href="https://bit.ly/3UBYXG1">https://bit.ly/3UBYXG1</a>
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<hr />
&nbsp;
What&rsquo;s in 2023?
&nbsp;
Get prepared for the new year! 🥰
&nbsp;
&nbsp;
💰 Millionaire PowerDraw
&nbsp;
Millionaire PowerDraw will return in 2023! Continue to support if you want to be the next millionaire!
&nbsp;
Check out all 2022 winners here 👉 <a style="color: #32cb9d;" href="https://youtu.be/ty7Wq2hNzXE" target="_blank" rel="noopener">https://youtu.be/ty7Wq2hNzXE</a>
&nbsp;
&nbsp;
☕ Coffee Pass
&nbsp;
Did you enjoy your discounted coffee with ZA Coin at Starbucks, Classified and %Arabica? We have more merchants joining next year, so keep an eye out!
&nbsp;
<a href="https://cdn.za.group/if/za-group-portal-web/assets/files/ZACoin_TC_Eng.pdf">Terms and Conditions</a> apply.
&nbsp;
&nbsp;
🧧 Chinese New Year celebrations
&nbsp;
Stay tuned for something fun in the Year of Rabbit! 🐰
&nbsp;
&nbsp;
🎡 ZA Carnival
&nbsp;
Yes, it will be back! If you didn&rsquo;t join our previous ones in Central, Olympian City and tmtplaza, you are definitely missing out! Play the video below to see what you missed, and don&rsquo;t forget to join us next time!
&nbsp;
Playback of ZA Carnival: Millionaire PowerDraw Edition 👉 <a style="color: #32cb9d;" href="https://youtu.be/ABVZFLi30Jk" target="_blank" rel="noopener">https://youtu.be/ABVZFLi30Jk</a>
&nbsp;
<hr />
&nbsp;
And that&rsquo;s a wrap for this year. Thank you for supporting us throughout 2022! 💚 We look forward to creating more memorable moments with you in the next one. Zappy New Year! 🥂🎉

Goodbye 2022. Hello 2023! 

Goodbye 2022. Hello 2023! 👋

Want to really join in this world football season as it gets going? Here comes a new opportunity, football fans! 😍
'Millions Trophy' has broken out of the digital space and will come to life soon! The event will be held at 5/F of T.O.P mall in Mong Kok from 1&ndash;11 Dec 2022. Play fun football games together and win awesome prizes1, including physical Football Cards! Collect and redeem the cards online to get your share of a prize pool worth HKD 10 million2! 👯&zwj;♀️
👀 A sneak peek at the first game! 👀 <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/adeae57b-6e8d-4625-bcaa-c4a87856d28e/e079a8b0-3a28-4fa7-9847-578a9233169e/Blog - 1.png" alt="" width="622" height="350" />
Want to know more pro tips? Follow our Instagram (@zappy_alfie) to find out more! 🤪
What's next? PRIZE, of course! After playing the football games, make sure you go to the 'Wheel of Football Fortune' for a chance to win the following prizes3: <img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/adeae57b-6e8d-4625-bcaa-c4a87856d28e/b9108dc5-99cb-458f-a13c-de43accd6d4f/Blog - 2.png" alt="" width="467" height="350" />
🎁 Prizes include but not limited to:
- Physical Football Cards (from 2 to 5 stars) - Apple HomePod mini - Special-edition adidas AL RIHLA football - Netflix gift card - Spotify Premium 12-month e-voucher - CocaCola e-Shop HKD 100 cash coupon - Free coffee for 1 year (Nescaf&eacute;&reg;SMOOVLATT&Eacute;&reg;Chocolate Coffee x 365 bottles)
&nbsp;
🥳 Don't these prizes look attractive? They&rsquo;ll be sure to attract long queues and a big crowd &ndash; but don't you worry! Luckily for ZA Bank users, you will have two major benefits: 🎁&nbsp;
&nbsp;
Benefit ☝🏻: Just show your check-in record in the 'Millions Trophy' at the Wheel of Football Fortune booth, and you can get in one hour earlier!
Benefit ✌🏻: If you have participated in our 'Millions Trophy' via the checking-in activity in the ZA Bank App, you'll get three EXTRA chances to draw a prize!&nbsp;
&nbsp;
⚽️⚽️⚽️
&nbsp;
Remember to note the following dates and times, and to join in and have a good time &ndash; a whole world of football fun and a prize pool of HKD 10 million are waiting for you! 🙌🏻 &nbsp;
&nbsp;
📍 5/F, T.O.P mall, 700 Nathan Road, Mong Kok (Free admission) 📅 1 - 11 Dec 2022 🕒 3 pm &ndash; 9 pm (Mon to Fri) | 2 pm &ndash; 10 pm (Sat to Sun)
Free entry!
&nbsp;
&nbsp;
<hr />
1. ZA Millions Trophy x T.O.P is valid from 1 December to 11 December 2022. Participants must follow ZA Bank and T.O.P official Instagram (@zappy_alfie and @topmongkok) to play at the game booths at the Event. Participants will receive one ZA Bank token and one Coca-Cola e-Shop HKD 100 discount code upon winning at any game booth at the Event (except Lucky Wheel) and/or upon spending a designated amount at the Location. Prizes are on a first-come-first-serve basis and are subject to availability. <a href="https://bank.za.group/agreement/html/en_US/1000998" target="_blank" rel="noopener">Terms and conditions</a> apply.
2. Millions Trophy is valid from 1 Nov 2022 to 18 Dec 2022, both dates inclusive. Eligible participants must be existing ZA Bank users, or users successfully registered for an account on the designated registration page. Users will get Football Cards by joining mini-games or completing quests. Turn over each card will receive random rewards including cash, ZA Coin, merchant coupons and ZA Bank coupons (ZA Bank coupons, cash rewards and ZA Coin will be released and credited to your account upon successful account opening), which worth more than HKD 10,000,000 in total. <a href="https://bank.za.group/agreement/html/en_US/1000926" target="_blank" rel="noopener">Terms and conditions</a> apply. ZA Quest is subject to its <a href="https://bank.za.group/agreement/html/en_US/1000258" target="_blank" rel="noopener">Terms and conditions</a>.
3. Participants can obtain draw chances at the Lucky Wheel with a chance of winning designated prizes during the Event Period through designated channels. Lucky Wheel. Each participant has a maximum of 7 draw chances at the Lucky Wheel per day. Prizes are on a first-come-first-serve basis and are subject to availability. <a href="https://bank.za.group/agreement/html/en_US/1000998" target="_blank" rel="noopener">Terms and conditions</a> apply.

Millions Trophy x T.O.P. mall – games and big prizes! 🎪⚡

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<section>
Hong Kong&rsquo;s No.1 virtual bank1 ZA Bank and Wise have partnered together to offer low-cost and quick international money transfers for Hongkongers through ZA Remit. This partnership marks two firsts: ZA Bank is the first bank in Hong Kong to provide international money transfers with no exchange rate mark-ups or hidden fees, as well as Wise Platform&rsquo;s first neo-bank partner in East Asia with its launch in Hong Kong.&nbsp;
&nbsp;
As ZA Remit is powered by Wise Platform, ZA Bank users can make cheap, fast and transparent international money transfers from HKD to 14 currencies, including AUD, USD, GBP, CAD, SGD and more. This is different from the conventional way of sending money abroad through traditional financial institutions, which typically involves high charges and hidden fees. Indeed, an earlier study2&nbsp;found that a whopping 86% of Hong Kong respondents could not identify the true cost of sending money abroad.
&nbsp;
Here are some ZA Remit feature highlights below:
⚡ Speedy transfers - 50% of all transfers globally sent with Wise are completed instantly (within 20 seconds)3
⚖️ Fair market rates - Mid-market rate4&nbsp;is used with zero mark-ups
💰 Fees - A single, upfront fee is shown transparently to customers. This consists of a Wise fee and a Convenience fee5
🔎 Transparent - ZA Bank App will notify you about the transfer&rsquo;s progress so you know exactly where the money is
🛡️ Safe - Wise is regulated in every market they operate in, including in Hong Kong, while ZA Bank is a Hong Kong-licensed bank
📱 Hassle-free - Everything is done via ZA Bank App without switching to other apps / platforms
&nbsp;
<a href="zabank://goRemit.Transfer.action/rn">Tap here to send money now</a>
&nbsp;
Calvin Ng, Alternate Chief Executive and Co-Head of Retail Banking at ZA Bank, said: &ldquo;We are delighted to partner with Wise, the UK-listed global tech company specialised in cross-border transactions, and become its first Hong Kong banking partner to launch this splendid experience. We always understand that high fees and low transparency are users&rsquo; common pain points in remittance. As the industry Game Changer, we successfully tackle these problems and now offer a hassle-free service to users, without worrying about any FX markup, hidden charges and transfer progress. &nbsp;We believe that the combined strengths of ZA Bank and Wise will bring users unrivalled service and convenience. We are looking forward to enriching our offerings in the era of &lsquo;Banking 2.0&rsquo;&rdquo;.
&nbsp;
Vinay Palathinkal, Regional Head, Wise Platform, said: &ldquo;Bringing Wise Platform to Hong Kong takes us another step closer to achieving our mission of making moving money faster, cheaper and more transparent for everyone, everywhere. We&rsquo;re thrilled to have ZA Bank onboard as our first partner in Hong Kong, which would enable millions of more Hongkongers access faster, cheaper international transfers from HKD.
&nbsp;
Palathinkal said: &ldquo;Though an email can travel around the world in a matter of seconds, moving money internationally is still incredibly cumbersome, slow and expensive. Wise and ZA Bank have a shared vision to change the status quo and provide a fairer, more transparent banking experience for everyone.&rdquo;
&nbsp;
Wise Platform lets businesses, banks and other financial institutions integrate the magic of Wise right into their own platforms via the Wise API to offer cheaper, faster, easier payments to their own customers. Globally, Wise Platform is live with more than 50 bank and non-bank partners across the world, including Monzo in the UK, N26 in Germany, Shinhan Bank in South Korea and Aspire in Singapore.&nbsp;
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/52983457-16bd-4fde-9f08-9c5df2266430/0d9d247c-699b-4849-8f39-5ca5dbd0f672/IMG_0651_retouch.png" alt="" width="1000" height="667" />
(From left) Calvin Ng, Alternate Chief Executive and Co-Head of Retail Banking, ZA Bank; Vinay Palathinkal, Regional Head, Wise Platform; and James Chan, Director, Retail Banking, ZA Bank.
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<a href="zabank://goRemit.Transfer.action/rn">Tap here to send money now</a>
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1&ldquo;No.1&rdquo; is defined by ZA Bank&rsquo;s leading position in the virtual banking industry in terms of customer deposits, loans &amp; advances and number of users as of 30 June 2022. Source: Interim results announcements of eight virtual banks.
2Independent survey commissioned by Wise and conducted by Coleman Parkes Research. This took place between January 2022 to February 2022 with 1,000 consumers in Hong Kong.
<a href="https://wise.com/gb/blog/q3-2022-mission-update-speed" target="_blank" rel="noopener">3https://wise.com/gb/blog/q3-2022-mission-update-speed</a>
4Wise pulls the exchange rates from independent sources including Reuters, XE and Google to provide mid-market rates in real time, which is the midpoint between the buy and sell rates on the global currency markets.
5The fee charged is based on the currency route and transfer amount
&nbsp;
About Wise Wise is a global technology company, building the best way to move money around the world. With the Wise account people and businesses can hold more than 50 currencies, move money between countries and spend money abroad. Huge companies and banks use Wise technology too; an entirely new cross-border payments network that will one day power money without borders for everyone, everywhere. However you use the platform, Wise is on a mission to make your life easier and save you money.
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Co-founded by Taavet Hinrikus and Kristo K&auml;&auml;rmann, Wise launched in 2011 under its original name TransferWise. It is one of the world&rsquo;s fastest growing, profitable tech companies and is listed on the London Stock Exchange under the ticker, WISE.
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13 million people and businesses use Wise, which processes over &pound;9 billion in cross-border transactions every month, saving customers over &pound;1 billion a year.
</section>
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<div id="footer" class="Footer_footer__1_5zi"></div>

International Transfer | ZA Bank Integrates Wise To Launch ZA Remit

ZA Bank + Wise has launched ZA Remit for international transfers!

Getting bored in November as there are no public holidays? Time to delight yourself and shop during the week of 11.11, a.k.a. Single&rsquo;s Day!
&nbsp;
With ZA Card, not only could you receive up to 11% rebate at designated merchants 1, but you may now enjoy extra discounts and special offers for Single&rsquo;s Day 2! Check out the deals below and get yourself a gift! 🎁
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<h2>Single&rsquo;s Day Offers | 1. ITeSHOP</h2>
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9717f952-7b4e-4d46-b28d-30a3c8de2872/708d45da-8962-445b-87ec-e5e7d8c366d2/221111_ITeSHOP.png" alt="" width="1200" height="675" />
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Limited to this week! Purchase single items at ITeSHOP website with ZA Card to receive 11% ZA Coin rebate plus an extra 22% off. For the rest of November, draw capsules at ITeSHOP to win up to HKD 1,000 cash coupon!
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Offer period: Now till 13 Nov (extra 22% off); 14-30 Nov (draw capsules)
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<h2>Single&rsquo;s Day Offers | 2. PUMA</h2>
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9717f952-7b4e-4d46-b28d-30a3c8de2872/f5c312d3-6997-4021-b892-d2c3793b2d31/221111_PUMA.png" alt="" width="1200" height="675" />
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Sporty souls, time to stock up at PUMA Hong Kong&rsquo;s online shop! Enjoy 40% off upon purchase of 3 items, and 50% off for 4 items! You&rsquo;ll also get an extra 11% rebate with ZA Card!
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Offer period: Now till 16 Nov
&nbsp;
<h2>Single&rsquo;s Day Offers | 3. Origins</h2>
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9717f952-7b4e-4d46-b28d-30a3c8de2872/7e4db818-5e42-49e0-a979-0e036271efd9/221111_Origins.png" alt="" width="1200" height="675" />
&nbsp;
Wish to look young and radiant? Get special discounts on the sets below at Origins and earn 11% rebate!
&nbsp;
- Ultimate Mega-MushroomTM Skin Relief Collection (Valued at HKD 729, special offer HKD 370)
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- Ginzing Radiance-boosting Serum &amp; Eye Cream (Valued at HKD 668, special offer HKD 430)
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- PlantscriptionTM Line-Smoothing &amp; Rejuvenating Trio (Valued at HKD 1,073, special offer HKD 760)
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Offer period: Now till 30 Nov
&nbsp;
<h2>Single&rsquo;s Day Offers | 4. Clinique</h2>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9717f952-7b4e-4d46-b28d-30a3c8de2872/e740fdda-7d80-426c-a7d3-fdb017caaa5a/221111_Clinique.png" alt="" width="1200" height="675" />
&nbsp;
Want a sense of ritual to get ready for Christmas? Below Clinique offers fit best! Don&rsquo;t forget to spend with ZA Card to earn 11% rebate!
&nbsp;
- Receive 20% off upon purchase of Clinique Holiday sets: Moisture Surge Set + Cheek Pop Palette
&nbsp;
- Upon HKD 500 spending, you may redeem Clinique Advent Calendar at HKD 395 (worth HKD 2,462)
&nbsp;
Offer period: Now till 30 Nov
&nbsp;
<h2>Single&rsquo;s Day Offers | 5. TONYMOLY&nbsp;</h2>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9717f952-7b4e-4d46-b28d-30a3c8de2872/429abcdb-ffbe-465d-bcac-08ad0cdb74d4/221111_TONYMOLY.png" alt="" width="1200" height="675" />
&nbsp;
It&rsquo;s never too early to get yourself a Christmas gift! Purchase below TONYMOLY &lsquo;2022 Xmas&rsquo; sets at special pricesand enjoy 11% rebate by spending with ZA Card!
&nbsp;
- Prestige Jeju Snail Essence Special Set (Valued at HKD 1,356, special offer HKD 328)
&nbsp;
- Super Intense Gold 24K Ginseng Snail Cream &amp; Mask Set (Valued at HKD 612, special offer HKD 258)
&nbsp;
- GIMIYA Whitening Cream Set (Valued at HKD 1,198, special offer HKD 428)
&nbsp;
Offer valid while stocks last.
&nbsp;
<h2>Single&rsquo;s Day Offers | 6. Zoff</h2>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9717f952-7b4e-4d46-b28d-30a3c8de2872/0dcaf5a6-84c6-45e4-a6c6-6b1fe1655284/221111_Zoff.png" alt="" />
&nbsp;
Get yourself a pair of Zoff x United Arrow glasses, including Dress Up, Relax and Work series, and enjoy 11% discount upon checkout with ZA Card at Zoff!
&nbsp;
Offer period: Now till 31 Dec
&nbsp;
<a href="https://bank.za.group/agreement/html/en_US/1000632" target="_blank" rel="noopener">Terms and conditions</a> apply.
&nbsp;
<hr />
&nbsp;
1. Spend with ZA Card within Promotion Period at designated merchants to enjoy up to 11% ZA Coin rebate. <a href="https://bank.za.group/agreement/html/en_US/1000632" target="_blank" rel="noopener">Terms and conditions</a> apply.
&nbsp;
2. The Offer is provided by merchants; the conditions of use are set by each merchant and subject to relevant Terms and Conditions from each merchant. Please contact related Merchants for details.
&nbsp;

Time-limited! Ready for ‘Single’s Day’ shopping craze?

[2023 Investment Outlook] As the global markets are confronting risks arising in the economic recession, investors are wary about the rate hikes by the U.S. Fed. Against such a backdrop, how should they plan for the 2023 investment strategies amid a volatile stock market? ZA Bank hosted an exclusive seminar for our users on 5 November and invited Mr. Nixon Mak, Managing Director, Head of HK Pensions and Solutions Strategist, Asia Pacific, Invesco, to share the investment outlook for 2023.
Invesco is one of the most experienced investment firms in the Asia Pacific. It has comprehensive geographical coverage with offices in Australia, China, Hong Kong, India, Japan, Singapore, South Korea, and Taiwan. As of 30 June 2022, it managed USD 1.4 trillion of assets globally with an on-the-ground presence in more than 20 markets1.
&nbsp;
In the seminar, Nixon shared Invesco&rsquo;s 6 investment outlooks that we can&rsquo;t miss
&nbsp;
⭐ 2023 Investment Outlook 1. Developed market stock
Developed market stocks are facing headwinds from valuation followed by lower earning growth.
&nbsp;
⭐ 2023 Investment Outlook 2. Japanese equities
Japanese equities are relatively less expensive but global growth will have an impact.
&nbsp;
⭐ 2023 Investment Outlook 3. Asian stocks
Asian stocks are sensitive to US interest rates, but reopening is supportive.
&nbsp;
⭐ 2023 Investment Outlook 4. HK-China equity
HK-China equity is attractive relative to DMs but lacks a driver.
&nbsp;
⭐ 2023 Investment Outlook 5. Fixed income asset (non-high yield)
Fixed income asset (non-high yield) is increasingly relatively attractive than early this year.
&nbsp;
⭐ 2023 Investment Outlook 6. Cash
Cash is the most defensive asset to cushion volatility in this environment.
&nbsp;
While there is no myth of an eternal rise, cyclical changes are always there. In 2023, don&rsquo;t forget to preserve your wealth before achieving a steady growth for your money.
&nbsp;
Apart from buying stocks and fixed income, you can also consider savings insurance, such as the ones provided by ZA Bank, as a wealth management tool.
&nbsp;
Go to the Wealth tab and then the Insurance tab to learn more!
&nbsp;
More fantastic events are coming soon. Stay tuned for our updates!
<ol>
<li>Source: Invesco Hong Kong website https://www.invesco.com/hk/en/about-us/who-we-are.html</li>
</ol>

2023 Investment Outlook | Where will the funds flock to during a volatile stock market? 

It&rsquo;s world football season!&nbsp;ZA Bank&nbsp;invites you to join our Millions Trophy event, and to get your share of rewards worth a total of&nbsp;HKD 10 million including cash, ZA Coin, merchant and&nbsp;ZA Bank coupons!1 📱 Starting today, open&nbsp;ZA Bank App&nbsp;&gt; &lsquo;Explore&rsquo; or scan the QR code below to enter the event. Complete mini-games or tasks to get Football Cards. Turn over a Football Card to get rewarded&nbsp;and so the more you collect the more rewards you can get! Collect all 32 countries' cards for a chance to get a set of commemorative Football Cards, and 1 lucky winner will receive HKD 10,000 worth of ZA Coin2 !🎁
&nbsp;
<a href="https://m.za.group/2022-world-cup?source=h5&amp;target=blog&amp;language=en" target="_blank" rel="noopener"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e01c6737-9de0-4e23-977d-782a02d13b98/8e40afdb-e779-49bc-b250-b01e7c07320e/qr-code (2).png" alt="" width="200" height="200" /></a> Portal 👆🏻
&nbsp;
Some tips for Millions Trophy: 1) Check-in daily and get a Football Card easily 2) Take on various Trivia questions and get a Football Card if you win (Football fans will have advantages) 3) Goal Shooter &mdash; shoot some goals when your boss turns around 😏 Get the Golden Boot medal if you can! 4) Trivia Chart &mdash; the more correct answers you got, the higher the chance to get a rare Football Card ✅ One wrong answer and the game is over! 5) ZA Bank missions &ndash; Complete tasks for a higher chance to get rare Football Cards 6) Today&rsquo;s match &ndash; Support your favourite team and get a card 🃏 Update ZA Bank App to the latest version to give your friends cards3
&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e01c6737-9de0-4e23-977d-782a02d13b98/aab61b0b-4e60-4def-a37d-d27513b2c864/1116_game-en.png" alt="" width="698" height="400" />
👥 Invite new users and you will receive a Football Card and receive a cash reward of up to HKD 1,000. If your friend is a first-time registrant, they will get up to HKD 1,000 cash reward (guarantee HKD 150!) and HKD 100 more upon successful account opening4! More fun games and rewards are on the way! 😉
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e01c6737-9de0-4e23-977d-782a02d13b98/7ec8fa18-980c-4af9-abfd-36b37435ac8f/1121-worldcup content-en.png" alt="" width="698" height="400" />
&nbsp;
<hr />
1. Millions Trophy is valid from 1 Nov 2022 to 18 Dec 2022, both dates inclusive. Eligible participants must be existing ZA Bank users, or users successfully registered for an account on the designated registration page. Users will get Football Cards by joining mini-games or completing quests. Turn over each card will receive random rewards including cash, merchant coupons and ZA Bank coupons (ZA Bank coupons and cash reward will be released and credited to your account upon successful account opening), which worth more than HKD 10,000,000 in total. <a href="https://bank.za.group/agreement/html/en_US/1000926" target="_blank" rel="noopener">Terms and conditions</a> apply. ZA Quest is subject to its <a href="https://bank.za.group/agreement/html/en_US/1000258" target="_blank" rel="noopener">terms and conditions</a>.
2. Participants who collect all the 32 national "Football Card" will be offered a surprising reward (a set of 32 &ldquo;Millions Trophy&rdquo; commemorative Football Card). ZA Bank will contact all Participants whose collected all 32 &ldquo;Football Card&rdquo; via email within 7 working days from 19 Dec 2022. The rewards are limited and are available while stocks last. In addition, ZA Bank will draw one winner among participants who collected all 32 different countries&rsquo; &ldquo;Football Card". The winner will receive 1,000,000 ZA Coin (equivalent to HKD 10,000). ZA Bank will notify the winner via email and ZA Bank App and issue the reward within 7 working days from 19 Dec 2022. The winner must open a ZA Bank account successfully and passed internal review and link his/ her ZA Coin account to ZA Bank App to receive the reward.
3. Starting from 21 Nov 2022, Participants can transfer or request &ldquo;Football Cards&rdquo; from/ to their friends. If &ldquo;Football Cards&rdquo; have been flipped over for reward, it cannot be redeemed for any rewards after transferred. Each Participant can receive up to 50 cards everyday. Besides, &ldquo;Football Cards&rdquo; from Millionaire PowerDraw Millions Trophy Edition are not transferrable.
4. During the promotion period, current ZA Bank users can get up to HKD 1,000 cash rewards randomly through filp over the Football Card by inviting new users successfully registered on the designated registration page through &ldquo;World-class invite&rdquo;. The Cash reward will be credited to Participant&rsquo;s savings account within 24 hours. New users who have never opened ZA Bank account and successfully registered with a mobile phone number, input one-time SMS verification code and an email address on the designated registration page will get HKD 150 to HKD 1,000 cash rewards randomly through flip over the Football Card after clicking &ldquo;Check-in&rdquo; on the promotional page. Upon successful account opening, new users can click &ldquo;Open ZA Bank account&rdquo; on the promotional page, new users will get HKD 100 to HKD 1,000 cash rewards randomly through flip over the Football Card. Upon internal review and successful account opening, the cash reward will be credited to Partcipant&rsquo;s ZA Bank savings account.

Welcome Offers | Join Millions Trophy and get HKD 150 for Account Opening 

Millions Trophy 🏆 Game on!

BOO! 👻 This month is all about excitement! Read on to see what we did to spice up this spooky season!
&nbsp;
<hr />
&nbsp;
October round-up 
&nbsp;
Here are the events you missed while you were busy visiting haunted houses! 🕷️🕸️
&nbsp;
📚 Overseas education sharing 
&nbsp;
Planning for overseas study is difficult as carving a pumpkin! 🎃 So, we have invited Shirley, Country Program Manager at EF Education First, to share some tips and answer some questions from parents on the spot. We have covered everything you need to know about studying abroad, from picking which destination to budgeting.
&nbsp;
Learn more 👉 <a style="color: #32cb9d;" href="https://blog.za.group/en/article/study_abroad">ZA-exclusive event: Tips for studying abroad</a>
&nbsp;
📱 User interview on our investment services
&nbsp;
Haunted houses are creepy, but the thought of upsetting you scares our socks off. 🧦 That's why we chatted with some of you about our newest service - investment, to make sure we are working on what you need (so you will not ghost us!) And seems we got some great feedback on our future development on product and the UX/UI, for new updates or events! 👀
&nbsp;
<hr />
&nbsp;
New app features and offers
&nbsp;
We got no tricks but some treats for your candy bucket! 🍬
&nbsp;
🆙 PowerDraw items 
&nbsp;
Here comes the real game-changer! 😎 You can now choose 1% Guarantor or Eliminator to secure a guaranteed reward from PowerDraw. <a href="https://bit.ly/3TWolX6" target="_blank" rel="noopener">Terms and Conditions</a> apply.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a05c0065-16fa-4712-b00d-98d4b2d5fdce/6aa181d2-eecd-49a3-a439-68ce0edac0f0/MicrosoftTeams-image (241).png" alt="" />
&nbsp;
☕ Coffee Pass
&nbsp;
Drinking coffee is the best way to clear your mind after a sleepless horror movie night. 🧟 Get yours from Starbucks, %Arabica, and with ZA Coin at a discounted price now! <a href="https://bit.ly/3DdISQ8" target="_blank" rel="noopener">Terms and Conditions</a> apply.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a05c0065-16fa-4712-b00d-98d4b2d5fdce/7eb14369-41bc-496c-9e0c-0cc2a2abc7c0/MicrosoftTeams-image (238).png" alt="" width="1920" height="2507" />
&nbsp;
<hr />
&nbsp;
Upcoming events
&nbsp;
What's next after Halloween? 🚗
&nbsp;
💬 Fintech week 
&nbsp;
Devon, our Alternate Chief Executive &amp; Co-Head of Retail Banking, will speak in the panel about the competitive edges of collaborating with FinTech on day 2. Don&rsquo;t miss if you are there!
&nbsp;
When: 1 Nov, 15:00 &ndash; 15:40
Where: Hong Kong Stage, Fintech Week, HKCEC
&nbsp;
Learn more 👉 <a style="color: #32cb9d;" href="https://www.fintechweek.hk/agenda-2022">Hong Kong FinTech Week | 31 Oct - 4 Nov 2022 | Agenda</a>
&nbsp;
📈 2023 investment outlook 
&nbsp;
We will have a user-exclusive deep dive session with Invesco, a market-leading investment management firm. Don't forget to sign up and explore the market trend for next year.
&nbsp;
When: 5 Nov, 15:00 - 16:00
Where: Suite 3402 - 07, 34/F, Tower 2, The Gateway, Tsim Sha Tsui
&nbsp;
Sign up here 👉 <a class="fui-Link ___m14voj0 f3rmtva f1ern45e f1deefiw f1n71otn f1q5o8ev f1h8hb77 f1vxd6vx f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f9n3di6 f1ids18y fygtlnl f1deo86v f12x56k7 f1iescvh ftqa4ok f50u1b5 fs3pq8b f1hghxdh f1tymzes f1x7u7e9 f1cmlufx f10aw75t fsle3fq" style="color: #32cb9d;" tabindex="-1" title="https://bit.ly/3U56bSZ" href="https://www.eventbrite.hk/e/2023-tickets-440222065047" target="_blank" rel="noopener" aria-label="Link https://bit.ly/3U56bSZ">Sharing: 2023 Investment Outlook Tickets | 5-Nov 2022 | Eventbrite</a>
You are now leaving our website and entering a third-party site.
All the information you provide will be subject to confidentiality and security terms of the applicable third-party site after accessing through this hyperlink.
ZA Bank&nbsp;Limited is not responsible for the content of such third-party site or any consequences in connection with your use of this hyperlink. &nbsp;&nbsp;&nbsp;
&nbsp;
⚽ World football season
&nbsp;
Something fun is on its way! Stay tuned!
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<hr />
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That's a wrap for this month. Have a spook-tacular, boo-tiful, wooo-nderful, and fang-tastic Halloween! 🦇💀
&nbsp;

In case you missed it: Here’s what happened in October

Everything has been revealed! The sharing session for overseas study tips was hosted in person by Shirley, EF Education First&rsquo;s Country Program Manager on 15 Oct, with over 20 parents&rsquo; questions thoroughly answered. A fruitful day indeed!
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bf002533-0630-490b-a69b-34c10dfde153/8a314609-a726-4af2-8244-02cc2e2418f1/IMG_8419.jpg" alt="" />
&nbsp;
Here&rsquo;s a summary of the event:
&nbsp;
- The 6 most popular destinations for HKers in 2022 for studying overseas
- Syllabi details, from middle school to master&lsquo;s degree programs, for each destination
- Different education systems, tuition fees and the costs of living for each destination
&nbsp;
Many parents have learned that sending their children to study abroad and getting into elite schools were not as hard as they imagined! The ZA team is glad that many participants found the event helpful. Let&rsquo;s hear some of their thoughts:
&nbsp;
🟡 Zappy: What&rsquo;s your purpose of joining this event? Mrs. Chan: I was trying to see if it&rsquo;s better for my son to go the UK or the US for university. And I want to know the costs for the other places too.
&nbsp;
🟢 Alfie: What is the most helpful takeaway from this event? Mr. Cheung: The interactive session really helped. I now know how to make plans for overseas studies. 
<hr />
 Missed the event? We got you covered! Here are some tips shared by Shirley:
&nbsp;
<h4>Education systems and tuition fees (UK, US, Australia, Canada, Germany and France)</h4>
&nbsp;
UK Education system 3-year university system
Minimum requirement for direct university admission
Min.: DSE 4/4/4
Top 30: DSE 5/4/4
IELTS 6.0+
Tuition fee (annual)
University
Arts: HKD 110,000 - 220.000
Sciences: HKD 160,000 - 280,000
Medicine: HKD180,000 - 420,000
&nbsp;
Australia Education system 3-to-4-year university study
Minimum requirement for direct university admission
Best 5 subjects with 16 pts or above
IELTS 6.0+
Tuition fee (annual)
Arts/Business: HKD 130,000 - 250,000
Sciences: HKD 140,000 - 260,000
&nbsp;
Germany Education system 3-year university system
Minimum requirement for direct university admission 
DSE: 3/3/3/3/3/3, German language C1
Tuition fee (annual) 
Public university: Free, approx. HKD 8,000 administration fee required
Private university: Up to HKD 220,000
&nbsp;
US Education system 4-year university system
Minimum requirement for direct university admission
Depending on high school academic results
TOEFL
Tuition fee (annual)
HKD 120,000 (Community college) - HKD 380,000 (University)
&nbsp;
Canada Education system 4-year university system
Minimum requirement for direct university admission
DSE 3/3/3/3/3+
IELTS 6.0+
Tuition fee (annual)
HKD 120,000 (Community college) - HKD 250,000 (University)
&nbsp;
France Education system 3-year university system
Minimum requirement for direct university admission
DSE 3/3/2/2+, French language B2
Tuition fee (annual)
Public university: Approx. HKD 32,000
Private university: Up to HKD 300,000
 *Data provided by EF Education First
&nbsp;
<h4>5W1H for studying abroad</h4>
 Don&rsquo;t know how to plan? See if the line of thought below could help you: 
&nbsp;
WHY - Why do you want to study abroad?
WHAT - What do you want to study? / What do you need to prepare?
WHERE &ndash; Where do you want to study?&nbsp;
WHEN - When should you start your preparation? / When do you need to apply?
WHO - Who should you involve for your decisions?
HOW &ndash; How to apply?
&nbsp;
<hr />
 Want to learn more? Many parents at the session have redeemed the study abroad information booklet from EF. You can enjoy this ZA Bank privilege too! Book now 👉 <a tabindex="-1" title="https://bit.ly/3gimxcl" href="https://bit.ly/3gimxcl" target="_blank" rel="noopener noreferrer" aria-label="Link https://bit.ly/3gimxcl">https://bit.ly/3gimxcl</a>&nbsp; You are now leaving our website and entering a third-party site.&nbsp; All the information you provide will be subject to confidentiality and security terms of the applicable third-party site after accessing through this hyperlink.&nbsp;&nbsp; ZA Bank Limited is not responsible or liable for the information you provide at such third-party sites.&nbsp;
&nbsp;
After learning how to plan for studying abroad, it&rsquo;s now time to prepare your budget too! Schedule an appointment with a financial advisor in ZA Bank App now and find out what protection your child needs!&nbsp;
&nbsp;
More fantastic events are coming soon. Stay tuned for our updates!

Overseas Study Expenses | Where is the cheapest place to study abroad? Let the experts tell you!

ZA-exclusive event: Tips for studying abroad

"These are the costs for the new books, which the teacher asked us to buy for this semester. Hmm&hellip;tuition fees for one-on-one English classes, an interest class, swimming lessons, fencing lessons&hellip; And a big pile of school supplies to buy, which means uniforms, shoes, school bags, stationery&hellip;&rdquo; You look at the thick stack of documents and the densely packed schedule. You sigh. Oh, yes. Your child is about to start a new school year&hellip;again.
&nbsp;
You pick up your phone and read the news. A bank's investigation from June of this year reports that the cost of raising a child, until he or she is financially independent at twenty-two years old, is now more than HKD six million!
&nbsp;
"What, more than six million dollars? Isn't it supposed to be four million?" You ask out loud in distress.
&nbsp;
"The four-million dollar cost was from an advertisement in 2006," your husband replies, before turning back to watch the television.
&nbsp;
That&rsquo;s right. You grit your teeth. Raising a child always requires a plan, along with factoring in other long-term expenses such as education, medical expenses, interest classes and entertainment etc. Both of you as a couple would rather spend less on yourselves and set aside money instead for your child to study and live well. You begin to think things over, and gradually you feel comforted by your own thoughts. In recent years, many of your good friends around you have become mothers. Whether they are working or full-time mothers, they will always set aside time to send off their children on their first day of school, and post photos of their children going to their new schools on Facebook to capture good memories for each other. All of you have now taken up parenting, and are striving hard to provide a good learning environment, so that the next generation can be well-educated.
&nbsp;
Unfortunately, school season has become a time for excessive spending instead. Whenever your child has started school for a new year, you experience again the difficulties and hard work that your parents had to go through. You remember the first time you went to school, when your father had a small business, and your mother was a full-time housewife. Your family was not wealthy, but you wanted your parents to buy you whatever you wanted. Their willingness to indulge you made you believe that nothing was out of reach, until you grew up and had your own child. It turns out that your parents, who were reluctant to spend any money for themselves, had painstakingly saved up every last cent to pay for your comic books, toys, and class reunions. You feel a pang of guilt simmering within you.&nbsp;&nbsp;
&nbsp;
You open ZA Bank App to check on your savings and find out that ZA Bank has sent you two "Back-to-School" time deposit rate-up coupons, which are applicable for 1 semester (6 months) and 1 academic year (12 months) respectively. All at once, you realize that if you place these time deposits at the start of this school year, You could even give out some of the interest earned to your child or your parents, so they could buy what they wanted. Best of all, there will be no loss for the principal amounts set aside for these time deposits.
&nbsp;
At the beginning of the school year, ZA Bank has sent out 2 time deposit rate-up coupons for each parent. In light of today's uncertain financial environment, we think that placing time deposits can give you better peace of mind. Plan ahead now to give your children a successful start for their new school year. Click and get them now at&nbsp; <a style="color: #e67e23;" href="anan://jump?module=Mine&amp;type=TaskGameScreen&amp;needLogin=true&amp;content={&quot;nextStep&quot;: &quot;drawTaskModal&quot;}">Quest</a>

It’s another school year… Feeling anxious?

With recent adjustments made to the quarantine measures, the popularity of staycation is still rising. For those who are looking for FREE staycation, let&rsquo;s pay attention to the Summer Getaway Instalment Plan introduced by ZA Bill Master as FREE staycation# awaits!&nbsp; 
What is ZA Bill Master?&nbsp; 
ZA Bill Master is a credit card statement instalment program, which aims at <a style="color: #169179;" href="https://blog.za.group/en/article/credit_card_payment" target="_blank" rel="noopener">settling credit card bills</a> at once to relieve the financial stress of customers. ZA Bill Master can handle multiple card bills at the same time with an instalment period as long as 72 months, and a total amount of up to 21x of monthly salary. Customers can then handle their bills more flexibly and easily.&nbsp; 
What is Summer Getaway Instalment Plan?&nbsp; 
From now till 14 Sep 2022, you will be guaranteed for a reward by settling designated card bills, with a chance of 1/10 to get a FREE staycation package#. In other words, 1 in every 10 successful applicants of Bill Master can enjoy FREE staycation in 5-star hotels, while the rests can get a cash coupon, so all are up for grabs!&nbsp; 
To prepare you with a great and laid-back getaway, we have curated three 5-star hotels for the FREE staycation rewards#, where the holiday vibe can be found, namely Mandarin Oriental Hong Kong, InterContinental Grand Stanford Hong Kong and The Mira Hong Kong! Even if you cannot win the FREE staycation rewards, you can still get a cash coupon from KKday, with which you can redeem for catering offers and more.&nbsp; 
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/06c9da9c-83fc-4e81-8e0c-24d17bda7126/24447a90-50f0-46af-ab45-0e6432d88630/&pi;&Ccedil;&Eacute;blog&pi;&Ccedil;&aelig;&tau;&ouml;╡&Theta;&eacute;&laquo;-1200x628-eng.png" alt="" width="1200" height="628" />
The application process of ZA Bill Master is quick and easy - existing users can get approval result in 30 seconds* after logging into ZA Bank App, while new bank users can get approval result in 90 seconds*. To know more about the limited-time offer, simply visit ZA Bank <a href="https://bank.za.group/en/statement-instalment" target="_blank" rel="noopener">here</a>. 
# Upon successful drawdown of Card Statement Instalment Program with loan amount of HKD$50,000 or above and repayment tenor of 12 months or above on or before 14 September 2022 and completion of 7-day cooling-off period, users will get a capsule from ZA Quest on 22 September 2022. The capsule includes a free staycation package at the designated hotel, a KKday cash coupon with face value of HKD 200 or a KKday cash coupon with face value of HKD 100. The chance of winning a free staycation is at least 10%. During the promotion period, an eligible customer can get 1 reward only. <a href="https://bank.za.group/agreement/html/en_US/1000223" target="_blank" rel="noopener">Terms and conditions</a> apply.&nbsp; 
* 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 by applying via ZA Bank website 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 &ldquo;Loan&rdquo; tab after logging into ZA Bank App. The final approved interest rate and loan amount may vary depending on the individual circumstances and the final assessment of the bank.&nbsp; 
To borrow or not to borrow? Borrow if you can repay!&nbsp;

【 2022 Summer Exclusive 】Settle Card Bills to win FREE Staycation!

&lsquo;Be the Game Changer&rsquo;, we did it once again,&nbsp;launching investment fund service today. You can now subscribe various funds around the world from&nbsp;famous fund houses with 0 fees1, making your every penny count.
&nbsp;
From opening an investment account to your first fund purchased, it only takes as fast as 5 minutes.2 Open ZA Bank App to experience the revolutionary banking experience now.&nbsp;&nbsp;
&nbsp;
Entering fund page&nbsp;
Open ZA Bank App, tap &lsquo;Wealth&rsquo; at the bottom tab and then tap &lsquo;Investment fund&rsquo;.&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c4326931-6e90-4b2e-95d3-6cc6dd5061e8/95c99cf9-f1cc-4472-ae43-e1058c1b3a23/Frame 1000004046.png" alt="" width="363" height="546" />
Investment fund main page&nbsp;
You can check out the recent &lsquo;Top selling funds&rsquo;, &lsquo;Top dividend funds&rsquo; and &lsquo;Top performance funds&rsquo; on the main page. 3&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c4326931-6e90-4b2e-95d3-6cc6dd5061e8/d5ba4068-c45b-4c04-9856-6eb2d92e6066/ZA Bank_基金首頁_EN.png" alt="" width="363" height="538" />
Open investment account&nbsp;
Complete a simple risk profiling questionnaire and understand your investment objective. Once you&rsquo;ve successfully opened an account, you can invest right away!&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c4326931-6e90-4b2e-95d3-6cc6dd5061e8/b78d4af2-dcab-4d6d-a5a4-1b6cd584cead/ZA Bank_開通投資賬戶_EN.png" alt="" width="896" height="576" />
&nbsp;
Subscribing fund&nbsp;&nbsp;
Choose the fund you like and&nbsp;click &lsquo;Subscribe&rsquo;. Enter subscription and click &lsquo;Next&rsquo;, the subscription will be on its way and you can check the status of your subscription. &nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c4326931-6e90-4b2e-95d3-6cc6dd5061e8/e03001d2-af74-4370-82bb-0e399c1d6537/ZA Bank_認購基金_EN.png" alt="" width="896" height="578" />
😉 What&rsquo;s more, you can earn up to HKD 1,888 reward by completing&nbsp;quests in ZA Quest!4
&nbsp;
&nbsp;
<hr />
1. Promotion period is from today to 31 Dec 2022. Eligible users must successfully open an investment account with ZA Bank during the promotion period to enjoy the 0% subscription fee offer during the promotion period. <a href="https://bank-invest.za.group/agreement/pdf/en_US/1000538">Terms and Conditions</a> apply. 
2. The time needed for investment account opening is subject to actual circumstances. In general, provided that no extra information is required, an existing ZA Bank user can open an investment account and complete fund subscriptions in as fast as 5 minutes. 
3. &lsquo;Top selling funds&rsquo; refers to the top 3 selling funds by the number of subscriptions among all funds distributed by ZA Bank in the past 14 days. &lsquo;Top dividend fund&rsquo; refers to the 3 funds with the highest dividend yield at ZA Bank. Dividend yield is the dividend amount declared over the past 12 months as a percentage of the last month-end fund unit price. The dividend amount is not guaranteed and past performance is not indicative of future results. &lsquo;Top performance funds&rsquo; refer to the top 3 3-year best performers among all funds distributed by ZA Bank under each fund category. 
4. Promotion period is from today to 31 Oct 2022. During the promotion period, users fulfil the following 3 clause may get the rewards. Reward is in a form of ZA Coin. 100 ZA Coin = HKD 1. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. Users are required to link up their ZA Bank account with ZA Coin account. <a href="https://bank-invest.za.group/agreement/html/en_US/1000445">Terms and conditions</a> apply.&nbsp;
<ul>
<li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:420,&quot;335559991&quot;:420,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Existing ZA Bank users may get up to 8,800 ZA Coin by successfully opening an investment account.&nbsp;</li>
<li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:420,&quot;335559991&quot;:420,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" aria-setsize="-1" data-aria-posinset="2" data-aria-level="1">After the successful investment account opening, users may get up to 80,000 ZA Coin for the first fund subscription (minimum subscription amount is HKD 100).&nbsp;&nbsp;</li>
<li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:420,&quot;335559991&quot;:420,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" aria-setsize="-1" data-aria-posinset="3" data-aria-level="1">Users may get up to 100,000 ZA Coin by holding investment funds of HKD 10,000 or above for 20 trading&nbsp;days.&nbsp;</li>
</ul>
Important risk statement&nbsp;
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. This promotion material 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. This promotion material 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 information, products and services available is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction. 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.
Issued by ZA Bank Limited

Buy funds via ZA Bank, and empower your finances today!

1. All-new "Scheduled Transfer" and &ldquo;Recurring Transfer&rdquo; features
The brand-new &ldquo;Scheduled Transfer&rdquo; &nbsp;feature now allows you to transfer money on a specific day, or you can set up weekly, monthly, and annual recurring transfers. To make managing your recurring transfers less of a hassle, you can now add a tag to each transfer. Be it for family, rent, or other purposes, all your transfer settings are now at a glance!
<img style="height: 450px; display: block; margin-left: auto; margin-right: auto;" src="https://testcdn.zaticdn.com/if/ipage/uat/data/image/fe805c2d-0ff9-46fc-90c3-579f1a53cfc9/da781fa3-e364-4612-87cc-1ab47b92e278/鍔犳-棰勮杞处727.gif" alt="" />
&nbsp;
2. Added "Replace Card" feature to the ZA Card page&nbsp;
You would have previously needed to call our customer service team to report your lost ZA Card or to replace a damaged one. But now, just go to the ZA Card page to quickly sort things out!
<img style="height: 450px; display: block; margin-left: auto; margin-right: auto;" src="https://testcdn.zaticdn.com/if/ipage/uat/data/image/fe805c2d-0ff9-46fc-90c3-579f1a53cfc9/a707046e-70bc-404e-99c8-7601e7e5bd26/鍔犳-鎹㈠崱727.gif" alt="" height="1000" />
&nbsp;
3. All-new "Favourite Feature" for your widgets&nbsp;
We&rsquo;ve added 4 more widget spaces under "Favourite feature", allowing you to manage the ones that you want in seconds and with more flexibility.
<img style="display: block; margin-left: auto; margin-right: auto; height: 250px;" src="https://testcdn.zaticdn.com/if/ipage/uat/data/image/fe805c2d-0ff9-46fc-90c3-579f1a53cfc9/2592f8c4-2cf5-4d1f-90e3-8a9258a95f33/Mask group4.png" alt="" />
Check it out by sliding your widgets all the way to the left on the homepage! &nbsp;
<img style="height: 450px; display: block; margin-left: auto; margin-right: auto;" src="https://testcdn.zaticdn.com/if/ipage/uat/data/image/fe805c2d-0ff9-46fc-90c3-579f1a53cfc9/b3ebeb3b-d30f-4237-8afd-77c5dc2548f1/1鍔犳-widget729.gif" alt="" />
&nbsp;
4. Added a &ldquo;click&rdquo; feature for our transfer service
We&rsquo;ve listened to your feedback! buttons on the homepage previously required you to swipe up or down, but you can now also click on them when you want to transfer or deposit your money &ndash; it&rsquo;s that easy!
<img style="height: 450px; display: block; margin-left: auto; margin-right: auto;" src="https://testcdn.zaticdn.com/if/ipage/uat/data/image/fe805c2d-0ff9-46fc-90c3-579f1a53cfc9/5b3c6c1f-8408-4919-9fee-d336164b194b/1鍔犳-杞处729.gif" alt="" />
&nbsp;
&nbsp;

Can't-Miss Features of ZA Bank

The wait is over! ZA Carnival: Millionaire Edition is finally here, and ready to roll out the red carpet at Olympian City from 27 Jul to 8 Aug! &nbsp;🥳 Now&rsquo;s the time to get some MillionTix &ndash; a chance to win HKD 1 million! 💰
 Free game booth prizes for winning! Participate at any game booth to get a Fortune Ticket, along with prizes such as cutlery boxes, notebooks, handkerchiefs, paper fans and face mask covers, etc. 🎁 Collect five Fortune Tickets to draw a prize at our real-life Millionaire PowerDraw machine! 🎁🎁😍
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/70944084-60be-41b5-89e3-51bf1fdaf2bf/29ddeeed-2d3e-4475-9200-7b7f754a74ed/MicrosoftTeams-image (94).png" alt="" width="601" height="601" />
&nbsp;
More prizes at the Millionaire PowerDraw machine! 🎉 Draw prizes ranging from MillionTix, S cash vouchers, free burgers at Shake Shack, and McDonald&rsquo;s cash vouchers etc.!&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/70944084-60be-41b5-89e3-51bf1fdaf2bf/11f64b5e-80d5-4e13-ba3f-99d5deeaa25a/MicrosoftTeams-image (93).png" alt="" width="601" height="601" />
BIG NEWS! 😎 🎊 Existing ZA Bank customers will get an extra chance to draw a prize from the Millionaire PowerDraw machine for free, by simply showing their in-app or physical ZA Card at ZA Carnival! 🤩
🔥 Hurry! There&rsquo;s only a few more days before we will announce July&rsquo;s Millionaire PowerDraw HKD 1 million winner! 🎪 Come on down to ZA Carnival and get more MillionTix to increase your chances of winning the grand prize! 👯&zwj;♀️
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/70944084-60be-41b5-89e3-51bf1fdaf2bf/c55a7996-4f6e-48f5-8b0f-5b028ef461eb/MicrosoftTeams-image (96).png" alt="" width="601" height="601" />
&nbsp;
Event details:
📍 Olympian City 2, Olympian Hall G/F 📅 27 Jul to 8 Aug
📍 tmtplaza, Main Atrium 1/F 📅 11 Aug to 23 Aug
🕒 12:00 pm &ndash; 9:00 pm Free entry!
For more information, please click on the link below to go to our website:
<a href="https://za.group/en/za-carnival?sourceType=app">https://za.group/en/za-carnival?sourceType=app</a>

ZA Carnival: Millionaire Edition opens today! 🎪 

🤔 &nbsp;A fantastic 100% rebate reward may be waiting for you! Check out our PowerDraw information below for the period from 1 Jun 2022 to 15 Jun 2022 to learn more!&nbsp;
&nbsp;
🏆 "PowerDraw" Results&nbsp;
<div style="text-align: center;">
1.&nbsp;Out of all the customers who won a 200% rebate and earned the most ZA Coin, one of them bought&nbsp;travel&nbsp;products and got a free trip from ZA Bank!&nbsp;Getting paid to have fun &ndash; now that&rsquo;s what we&rsquo;re talking about!&nbsp;&nbsp;👜
Congratulations once again!&nbsp;🥳
🎯 "PowerDraw" Results Analysis 
<div style="text-align: center;">
The "PowerDraw" machine and mystery box position with the highest winning rate for 100% rebate or above: 2. "PowerDraw" machine: &nbsp;No. 2
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/8091f324-04b3-405c-8b45-02b6594a0e55/42397e12-c1b4-4d27-85f7-fbb78738570a/MicrosoftTeams-image (544).png" alt="" width="528" height="334" />
 3. Mystery box: Machine no. 3, third row, second left position
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/8091f324-04b3-405c-8b45-02b6594a0e55/32691dc6-b3d0-4637-938a-ddef8c037280/MicrosoftTeams-image (542).png" alt="" width="566" height="358" />
 🤩 "PowerDraw" Fun Facts
<div style="text-align: center;">
5. The top merchant for getting 100% rebate or above on purchases: 7-Eleven 6. The top zodiac sign for winning a 100% rebate or above: Sagittarius
&nbsp;<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/8091f324-04b3-405c-8b45-02b6594a0e55/1296c8e2-a0dc-408b-b333-413fcb09b050/MicrosoftTeams-image (545).png" alt="" width="134" height="134" />&nbsp;
&nbsp;
Start Winning With &ldquo;PowerDraw&rdquo; Now!&nbsp;
<div style="text-align: center;">
Event period: from now until 30 June 2022 Reward: up to 200% rebate 2
 Thank you for participating in &ldquo;PowerDraw&rdquo;! Best of luck! 😎
</div>
&nbsp;
<div>
<div style="text-align: left;"> <hr />1. Each eligible transaction of no less than HKD 10 will be entitled to 1 &ldquo;PowerDraw&rdquo; Chance ("Chance"), and will exclude entitlement to other ZA Card rebate offers at the same time. All Chances are valid for 48 hours. Each Chance may give a rebate up to 200% of the transaction amount or other designated rewards. The probability of each reward is not evenly distributed. The rebate will be in the 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. <a href="https://bank.za.group/agreement/html/en_US/1000025" target="_blank" rel="noopener" data-cke-saved-href="https://bank.za.group/agreement/html/en_US/1000025">Terms and conditions</a> apply.</div>
</div>
<div>
<div style="text-align: left;">&nbsp;</div>
</div>
&nbsp;
</div>
</div>
</div>

1 – 15 June PowerDraw Newsflash! 

Open the Google Pay App and add your ZA Card in just a few steps. 
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e59cfc8b-8441-492f-9e41-cc9ad233b5b3/3827ccee-3821-4c90-b7c1-6c1d1b73f7f6/en 3.png" width="637" height="889" /> Need help? Contact us in the ZA Bank App.
&nbsp;

Add ZA Card to Google Pay! 

4.21&nbsp;is reborn day! Join us revenge spending spree &ndash; eat, shop, play with ZA Card!&nbsp;
&nbsp;
<h2 class="null" style="text-align: center;">🔥 Revenge Eating!&nbsp;🤤</h2>
Catch up with friends over a great meal, with 11% rebate at&nbsp;33 F&amp;B outlets1. From hotel fine dining, buffet, hot pot, steak house, Japanese BBQ, bubble tea and even confectionery - 11% ZA Coin rebates for them all!
&nbsp;
<h2 class="null" style="text-align: center;">🔥 Revenge shopping! 🛍️</h2>
Happiness is shopping! Enjoy up to 11% K Dollar rebate at&nbsp;D‧PARK,&nbsp;K11 Art Mall&nbsp;and&nbsp;THE FOREST2.
&nbsp;
<h2 class="null" style="text-align: center;">🔥 Revenge playing!&nbsp;🥳</h2>
Live life to the max! Enjoy exclusive offers at&nbsp;PURE Fitness&nbsp;and&nbsp;PURE Yoga. Plus, up to&nbsp;11% rebate&nbsp;from 6 travel platforms and 8 of the most fashionable face mask brands3!&nbsp;
&nbsp;
And that's not all. A limited-time 'Member-get-member Programme' is here to&nbsp;celebrate! 🎉 From now till 4 May, invite your friends to open an account at ZA Bank and draw HKD 5,000 cash rewards together, guaranteed HKD 300 at least4!
<hr />
<a href="https://bank.za.group/agreement/html/en_US/1000594" target="_blank" rel="noopener">Terms and conditions</a>&nbsp;apply. 1. Promotion from now till 30 Jun, spend with ZA at designated merchants to enjoy 11% ZA Coin rebate. 2. Promotion from now till 31 May. Same-day spending with 2 to 4 eligible receipts with accumulated spending equal to HKD 500 or more with ZA Card in designed shops in designated malls to enjoy up to 11% K Dollar rebate, up to 200 K Dollars in the entire promotional period. 3. Promotion from now till 30 Jun, spending at designated merchants with ZA Card through ZA Bank exclusive link to enjoy up to 11% staycation offer, which will be issued in the form of ZA Coins, cash rebates or spending deductions according to respective merchants; and with ZA Card, you can enjoy up to11% ZA Coin rebate when purchasing masks from designated brands. Every HKD 1 eligible transaction will earn you 11 ZA Coin (equal to HKD 0.11). Participants must successfully link ZA bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion. Subjected to Terms and Conditions, please visit ZA Bank website bank.za.group/hk/za-card/revengespend for details. 4. Referee must be a new customer who has never held any product or service with ZA Bank (including but not limited to deposit account and loan account), and successfully open an account with referrer's invitation code. <a class="Hyperlink SCXW163847293 BCX9" href="https://bank.za.group/agreement/html/en_US/1000128%22%20/t%20%22_blank" target="_blank" rel="noreferrer noopener">Terms and conditions</a> apply. Reward is in form of ZA Coin. User must successfully link ZA Bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion.&nbsp;
&nbsp;

4.21 is reborn day! Time to reclaim our lives! Let’s eat, shop and play with ZA Card to enjoy 11% rebate!

🔥 Revenge spending mode: Activated

Find account number
1. Tap on your profile picture on homepage
2. Click &lsquo;Account Information&rsquo; under &lsquo;My account&rsquo;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/789df852-d1c3-4824-bf23-8e66d04b370e/1 (2).png" alt="" />Find CVV and expiry date of ZA Card
1. Go to &lsquo;Account&rsquo;
2. Tap ZA Card
3. Tap or swipe the card to the right
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/18ba38d2-877a-46ae-a85f-d13e98b94d01/2 (2).png" alt="" />Redeem ZA Coin
1. Go to &lsquo;Account&rsquo;
2. Tap ZA Coin
3. Click &lsquo;Redeem&rsquo;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/e699a318-ba40-47f0-8c56-ad918603f7bc/3 (2).png" alt="" />Find e-Statement &amp; e-Advice
1. Tap on your profile picture on homepage
2. Select &lsquo;e-Statement &amp; e-Advice&rsquo;
3. Choose &lsquo;e-Statement&rsquo; or &lsquo;e-Advice&rsquo;
4. Select a month
5. Click the green icon to download
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/6ee7f5a6-ebe7-41f5-8074-d0a47088dd46/4 (2).png" alt="" />Add money &amp; transfer
1. Press and hold the yellow &lsquo;ZA&rsquo; icon on homepage
2. Swipe down to add money and swipe up to transfer
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/1f2eff90-339a-42b7-b1e3-d2035e59d8bf/5 (2).png" alt="" />Set transfer limit
1. Press and hold the yellow &lsquo;ZA&rsquo; icon on homepage
2. Swipe up to the transfer page
3. Tap the setting icon in the top right corner
4. Select &lsquo;Set limit&rsquo;
5. Set daily limit for same-name account transfer, third-party account transfer or small-value transfer
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/9fc06bb7-8c33-4fcc-8317-1811dbe97888/6 (1).png" alt="" />Change language
1. Tap on your profile picture on homepage
2. Select &lsquo;Settings&rsquo;
3. Select &lsquo;Language&rsquo;
4. Choose &lsquo;English&rsquo;, &lsquo;繁體中文&rsquo; or &rsquo;简体中文&rsquo;
5. Click &lsquo;Confirm&rsquo;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/b892dde2-232b-4381-b0f0-0fb3d1316d6a/7 (1).png" alt="" />Logout
1. Tap on your profile picture on homepage
2. Click &lsquo;Logout&rsquo;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/9b70951e-1189-447d-bb78-39eab02163b5/8 (1).png" alt="" />Wealth
Includes Time Deposit, Savings Insurance, and other insurances.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/bfec9088-ff30-4256-a486-4b3239a68198/fd8d45ad-de07-4711-bb0c-c9e3efb69d47/9 (1).png" alt="" />

ZA Bank App 2.0 user guide - frequently used functions

ZA Bank App 2.0 user guide - frequently used functions 📱

As restrictions are about to be lifted and the city slowly reopens, Hong Kongers will start moving again. We have your back as you start getting busy on the road.&nbsp;
This is why we&rsquo;re partnering with Uber to offer Uber driver-partners (including Uber Taxi driver-partners) peace of mind.&nbsp; If you are unfortunately diagnosed with COVID-19, you will be eligible for a one-off HK$2,000 financial assistance. 💰
 📍 Program period: from 11th April to 11th July 2022
(Or until the HK$8 million ZA x Uber Relief Program fund runs out, whichever occurs first)
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/949c6664-7821-4a55-9c2e-2c34ca39beb4/242d872e-7140-48b2-b064-8e77a7f77891/MicrosoftTeams-image (448).png" alt="" width="597" height="187" />
📍 The Eligibility
If you are an active Uber driver-partner1 and match the following criteria, you may be eligible to claim2 a one-off HK$2,000 relief fund from ZA Care within the program period3:
👉 Diagnosed with COVID-19 and subject to a compulsory quarantine order within the program period (from 11th April to 11th July 2022) (Subject to the date of receiving your PCR test results); and
👉 Be a ZA Bank account holder
All active Uber driver-partners1 will receive related email /in-app message directly from Uber by 14th April.
&nbsp;
📍 How to Apply for ZA x Uber Relief Program?
You can apply by submitting the information listed below directly to ncov.aid@za.group within 30 days from receiving your positive PCR test result :
👉 Full name in both Chinese and English
👉 Copy of Hong Kong Identification Card
👉 Valid phone number (same as registered on the Uber platform)
👉 Proof of a valid positive Covid-19 polymerase chain test (PCR Test) result, such as a screenshot of a SMS message by the Hong Kong Government showing the first three digit of your HKID number <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/949c6664-7821-4a55-9c2e-2c34ca39beb4/1a137336-1174-458f-ac55-745e99ab2ef4/PCR-Test-Positive-Example.png" alt="" width="248" height="109" /><img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/949c6664-7821-4a55-9c2e-2c34ca39beb4/2f989db3-ed6f-4cd1-a99f-ae1e6c44ef6c/PCR-Test-Positive-Example1-300x295.png" alt="" width="218" height="214" />
👉 Copy of a written notice for compulsory quarantine issued by the&nbsp;Centre for Health Protection (applicable for home quarantine or designated community quarantine centre) <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/949c6664-7821-4a55-9c2e-2c34ca39beb4/29abdf55-fd36-4d62-961d-c5dc15b1abd5/Isolation-Order-Example.png" alt="" width="275" height="335" />
👉 Copy of your ZA Bank account proof/bank statement
👉&nbsp;A screenshot of your driver profile from the Uber Driver App
👉 The ZA unique code provided to you through email or Uber in-app message
&nbsp;
ZA Care will process your application. Once all the required information and documentation are submitted, ZA Care will complete your claim within 7 working days, including the deposit of your one-off HK$2,000 relief fund to your ZA Bank account.
&nbsp;
📍 <a href="https://bit.ly/3k502pX">Open account now</a>! Open an account in as fast as 5 mins! You may also refer to this <a href="https://www.youtube.com/watch?v=0Bcu_MfJbMw">video</a> which includes a step-by-step guide on how to open a ZA Bank account. 🎬
&nbsp;
💡 Reminder: No matter if you are an existing or new ZA Bank account holder, you will have to provide the unique code which was provided to you through email or Uber Driver in-app message when you open a bank account with ZA Bank (if applicable) or when you submit a claim for the relief program with ZA Care.
&nbsp;
&nbsp;
1. You have completed at least one Uber trip during the period of 1st February to the day of the relief program launch date.
2. If you are also eligible for benefit under other COVID-19 related schemes offered by ZA Care (&ldquo;ZA Schemes&rdquo;), and make claims for both the payout under this program and the benefit under other ZA Schemes, you shall only be entitled to receive the higher amount between the payout under this program or the entitlement under other ZA Schemes.
3. Limited funds only and subject to a first come first serve basis. The order of claim approvals will be based on the date on which the applicant completes the submission of the required information for the claim.

🤝 ZA x Uber Pledge HK$8 million to support Uber Driver-Partners

In the pandemic-era, wearing a mask is utmost importance. However, the blue surgical masks are not the only options to go with our cute outfits. For our dearest fashionistas, we&rsquo;ve rounded up the most versatile mask brands to make you look amazing even with half your face covered.
&nbsp;
💚 ZA Bank perk: From now till 31 Mar, pay with ZA Card at the following 9 brands&rsquo; online and offline stores to enjoy up to 11% rebate*.&nbsp;
&nbsp;
Check this out if you&rsquo;re in need of outfit inspirations: <a href="https://youtu.be/FJppVoukII0">https://youtu.be/FJppVoukII0</a>
&nbsp;
<hr />
&nbsp;
<h1>MaskOn._</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/374eb200-1e2c-4efd-99b3-ba286b9c22d5/MaskOn LabConcept.png" alt="" />
&nbsp;
With 12 niche colourways and emotional quotes, you&rsquo;re bound to find a mask in their mood series that perfectly expresses your feelings. Plus, they are individually packed and ASTM F2100-19 Level 2 and EN14683 Type 11R qualified &ndash; keeping you safe at the same time.
&nbsp;
<a style="color: #000000;" title="MaskOn._ locations" href="https://the-mo.shop/pages/locations" target="_blank" rel="noopener">Shop locations</a>&nbsp;| <a style="color: #000000;" title="MaskOn._ website" href="http://www.the-mo.shop">www.the-mo.shop</a>
&nbsp;
&nbsp;
<h1>masklab</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/b67ae906-6f26-4f24-83e9-3f24f51a1ed9/MicrosoftTeams-image (289).png" alt="" />
&nbsp;
Vibrant colours and prints will surely make you stand out in the crowd. masklab is very popular for their designer series, including the collabs with Cashmere Bunny, VIVIENNE TAM and Frame &amp; Fable. Surgical and Korean-style KF masks are both available, with individual packings and ASTM F2100 Level 3 &amp; EN14683 Type IIR qualifications.&nbsp;
&nbsp;
<a style="color: #000000;" title="masklab locations" href="https://masklab.hk/pages/visit-us" target="_blank" rel="noopener">Shop locations</a> | <a style="color: #000000;" title="masklab website" href="http://www.masklab.hk">www.masklab.hk</a>
&nbsp;
&nbsp;
<h1>MaskX</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/ec17ca8d-7a72-4141-b496-00cc727a31d3/MicrosoftTeams-image (288).png" alt="" />
&nbsp;
Looking for some festive masks? Mask X is a great place to shop. They have a wide range of collections for both holiday and daily wear. All their masks are in individual packings and ASTM F2100-19 Level 2 and EN14683 Type 11R qualified, so you&rsquo;re well protected wherever you go.
&nbsp;
<a style="color: #000000;" title="MaskX locations" href="https://www.mask-x.com/pages/our-stores" target="_blank" rel="noopener">Shop locations</a> | <a style="color: #000000;" title="MaskX website" href="http://www.mask-x.com">www.mask-x.com</a>
&nbsp;
&nbsp;
<h1>Maskology</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/ae406daa-f57b-4229-895d-58a4f0d2e929/Maskology_blog_3.png" alt="" />
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/fd2a5961-c674-4364-bf2c-6d0fa7acdec9/Maskology_blog_4.png" alt="" />
&nbsp;
You don&rsquo;t have to spend a paycheck to style like a pop star. Maskology collaborated with various celebrities and well-known brands, so you can simply get chic with their special-edition masks. If you have little ones at home, you can get them masks with cute designs like TOMICA and HK tram here too. All styles and sizes are qualified for ASTM F2100-19 Level 3 and EN14683 Type 11R standards.
&nbsp;
<a style="color: #000000;" title="Maskology locations" href="https://www.facebook.com/maskology.hk" target="_blank" rel="noopener">Shop locations</a> | <a style="color: #000000;" title="Maskology website" href="http://www.maskology.com.hk">www.maskology.com.hk</a>
<h1>&nbsp;</h1>
<h1>RAZE</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/ba1d9f40-38a1-4614-a9b4-c570dd5bb651/Photo 1.jpg" alt="" />
&nbsp;
You&rsquo;ll get in love with this brand simply by the dreamy colours - like kapok Gr&egrave;ge, Creamy Brown, Light Peach and Mint Green. If this sounds a little superficial, RAZE&rsquo;s photocatalytic technology is guaranteed to make you amazed. With this technology, RAZE 3-ply Antibacterial Masks that doesn&rsquo;t only filter but effectively decompose 99.9% of all bacteria and viruses, and of course they meet the ASTM F2100-19 Level 3 and EN14683:2019 Type IIR standards.
&nbsp;
<a style="color: #000000;" title="RAZE locations" href="https://nanoraze.com/pages/tsimshatsuistore" target="_blank" rel="noopener">Shop locations</a> |&nbsp;<a style="color: #000000;" tabindex="-1" title="RAZE website" href="https://www.nanoraze.com/" target="_blank" rel="noopener" aria-label="Link www.nanoraze.com">www.nanoraze.com</a>
&nbsp;
&nbsp;
<h1>OxyAIR</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/85e42457-99e8-4e07-8037-e4e134975731/MicrosoftTeams-image (293).png" alt="" />
&nbsp;
If your outfit is a bit too dull, then add pop of colours to brighten it up. From rainbow to gradient to neon, you can find ASTM F2100-19 Level 3 and EN14683 Type 11R qualified masks in an array of colour selections at OxyAIR.
&nbsp;
<a style="color: #000000;" title="OxyAIR locations" href="https://oxyairmask.shoplineapp.com/?locale=en" target="_blank" rel="noopener">Shop locations</a> | <a style="color: #000000;" title="OxyAIR website" href="https://oxyairmask.shoplineapp.com/">www.oxyairmask.shoplineapp.com</a>
&nbsp;
&nbsp;
<h1>Mask Factory</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/aa21a32a-6919-432e-9e08-c5b926586ae7/271751613_459653075605696_5872694929744958920_n.jpg" alt="" />
&nbsp;
Have you heard that Prada and Adidas released NFT too? The easiest way to jump on this bandwagon is by getting the Mask Factory NFT series masks. You aren&rsquo;t just spending a few bucks to purchase individually packed and EN14683 Type 11R qualified mask, but the prints on them that worth HKD 60M too.
&nbsp;
<a title="Mask Factory website" href="http://www.mymfclub.com" target="_blank" rel="noopener">www.mymfclub.com</a>
&nbsp;
&nbsp;
<h1>Pasi&oacute;n</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/20742bdc-c55f-406f-b3ab-f693e8236432/DSC09778_2000px.jpg" alt="" />
&nbsp;
Get a matching mask at Pasi&oacute;n to make your monochrome outfit perfect. Their 3-ply disposable masks are available in most wardrobe colours and patterns palette, such as black, earth tones, plaid, and houndstooth. And all their masks came in individual packaging and passed the SGS test: PFE &amp; BFE&nbsp;&ge;&nbsp;98%.
&nbsp;
<a style="color: #000000;" title="Pasion website" href="http://hk.pasioncare.com" target="_blank" rel="noopener">hk.pasioncare.com</a>
&nbsp;
&nbsp;
<h1>Wilson Tech</h1>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e85c1623-d0af-497b-bcc8-7dfc56859e11/cc3a6d7b-6246-4b5e-975c-5b12af25c75c/Wilson tech photo.jpg" alt="" />
&nbsp;
There&rsquo;s no rule that says a person must stick with one style. Wilson tech has all styles that you&rsquo;re looking for, including retro, edgy, or cute ones. All masks are in individual packaging and ASTM F2100 Level 3 qualified, keeping you safe while you&rsquo;re constantly changing your look.
&nbsp;
<a title="Wilson Tech locations" href="https://www.wilsontech-int.com/?page_id=19483" target="_blank" rel="noopener">Shop locations</a> | <a title="Wilson Tech website" href="http://www.wilsontech-int.com" target="_blank" rel="noopener">www.wilsontech-int.com</a>
&nbsp;
<hr />
*User must successfully link ZA bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion. Every HKD 1 eligible transaction will earn you 11 ZA Coin (equal to HKD 0.11). The maximum ZA Coin you can earn at all designated merchants per month is 15,000 (equal to HKD 150). Terms and conditions apply: https://bit.ly/3m8T183
&nbsp;

【ZA Bank】 The 9 mask brands you need to know!

The 9 mask brands you need to know ✨

ZA Bank App has some major updates to enhance user&rsquo;s banking experience. We have upgraded the <a style="color: #32cb9d; text-decoration: underline;" href="https://blog.za.group/en/article/ZABankApp2.0userguide" target="_blank" rel="noopener">frequently used functions</a>, and added new design, new structure, and new functions, seamlessly integrating banking into your daily life. Scroll to learn more!
&nbsp;
What are the differences?
&nbsp;
🧰 Widgets:
Make your homepage unique, make important information accessible. In this update, you can use widgets on homepage to prioritise the information and view them at a glance.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b13c2c96-d3b6-4a94-81b2-50a04fefe425/ddcc5f07-5fcc-4c82-a8a1-3b3b0fbef57f/blog配图-widget (1).png" alt="" width="990" height="532" />
&nbsp;
🏠 Homepage:
&nbsp;
<ul>
<li>Layout</li>
</ul>
Restructured to perfectly fits your daily needs and habits. The new layout is intelligently ordered by priority, with what you care the most at the top to current happenings in the middle to what you want to do now at the bottom.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b13c2c96-d3b6-4a94-81b2-50a04fefe425/31f5f2f5-f8f3-4644-bb14-ba9c48b92a2e/blog配图-home.png" alt="" />
&nbsp;
<ul>
<li>Activity</li>
</ul>
Stored all your activity details on homepage. You can now view your history and notifications immediately and easily, with the new tag and filter functions.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b13c2c96-d3b6-4a94-81b2-50a04fefe425/1fe5a2b7-2b75-4c44-bae3-c9bbac5383bc/blog配图-activity.png" alt="" />
&nbsp;
🔍 Explore:
&nbsp;
<ul>
<li>Explore </li>
</ul>
Quickly discover all the perks. Want to access ZA Quest, referral programs, PowerDraw and ZA Card exclusive offers? This is where you need to go.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b13c2c96-d3b6-4a94-81b2-50a04fefe425/5f39b926-065f-4628-bc5c-b9fca854753f/blog配图-explore.png" alt="" />
&nbsp;
<ul>
<li>Community</li>
</ul>
Let us hear your voice. A fresh new tab to share our ideas, including a voting section, making our App more engaging and bringing us closer.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b13c2c96-d3b6-4a94-81b2-50a04fefe425/2ddbd137-a197-416f-8d3b-2f1589098390/blog配图-community (1).png" alt="" />
&nbsp;
🎁 PowerDraw:
Entirely new game rules. PowerDraw has transformed into a mystery box machine. Now you can pick a box at your choice to win rebates and more amazing prizes.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b13c2c96-d3b6-4a94-81b2-50a04fefe425/6e637129-198b-425c-9efc-a9d7d7b72f09/最劲抽.png" alt="" />
&nbsp;
💰 Account:
Gathered all your account information. Managing deposit, ZA Coin, ZA Card, loan, and insurance at once is just that easy.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b13c2c96-d3b6-4a94-81b2-50a04fefe425/9463ab1d-f568-4e99-836b-d894c52c11b0/blog配图-za card (2).png" alt="" width="990" height="502" />
&nbsp;
🎀 Font &amp; Colours:
Everything is more readable and zappier! With the new font and colours, you can easily perceive messages and get the good vibes from us. We hope you enjoy your experience with us!
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b13c2c96-d3b6-4a94-81b2-50a04fefe425/1a297dea-03ff-4d21-a896-65d7589edd2d/blog配图-za card.png" alt="" width="990" height="502" />
&nbsp;
🎬 Join our celebration here: <a href="https://www.youtube.com/watch?v=l4VBzdq2FlI">https://www.youtube.com/watch?v=l4VBzdq2FlI</a> 
&nbsp;
How to download the new version?
&nbsp;
ZA Bank App 2.0 is now available to all ZA Bank users. Simply update your App to the latest version and start your new experience now!

ZA Bank App has some major updates! 

ZA Bank App has some major updates! 🎉

<h2 class="reader-text-block__heading1">&lsquo;Seeing you smile makes me happy.&rsquo;</h2>
It is a pity that ZA Carnival can&rsquo;t be open to public anymore due to the pandemic. However, looking back to the past few weeks, we are thankful for having you to co-create every happy, fun, and unforgettable moments. ZA Carnival couldn&rsquo;t be perfect without you!&nbsp;
The ideation of ZA Carnival was curated 6 months ago, and it was bizarre and crazy. We wanted to share ZA&rsquo;s stories through a big branding campaign, and we brought up 100+ campaign ideas subsequently. We thought of having a product launch in a conventional meeting venue, an online conference through AR, a pop-up event in a landmark shopping mall, and much more&hellip;At the very end, we decided to host a &lsquo;ZA Carnival&rsquo; in Central for 3 weeks.&nbsp;
Some of you may question: &ldquo;Why hosting the ZA Carnival?&rdquo;. For those who came to visit us two weeks ago, you might see a light box with vivid colors that says , &lsquo;seeing you smile makes me happy&rsquo; in Chinese. We wish you to bring happiness to all of you, and that&rsquo;s the purpose of ZA Carnival.&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/3baeae1f-de9d-4754-80cf-e8c4383c44e7/MicrosoftTeams-image - 2022-01-14T214520.520.jpg" width="411" height="547" />
Upholding the philosophy of &lsquo;community-driven&rsquo;, we didn&rsquo;t integrate too many ZA products to the event (Well, except the ZA products which could be won from the physical PowerDraw LOL). Instead, we&rsquo;ve provided fabulous delicacies and nostalgic games in the Carnival, hoping that it would become the Hong Kong&rsquo;s best destination for fun.&nbsp;
To be honest, it was never easy to organise a carnival. Our ideas were banned 100+ times. We couldn&rsquo;t remember how many venues we had explored, but we had 100+ internal meetings for sure. What you can see in the venue now, including the design of every booth, window sticker, staircase sticker, Passport, Branding Wall and even a single word in the Mirror Room, had been revised and refined by our Branding Team countless times, with endless &lsquo;final versions. They might not be perfect, but we tried our best to present the best to you.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/9b02eff4-df4a-4bc6-9378-ab0605e2dedb/JT028500.jpg" width="638" height="425" /> <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/5ba0f753-8873-4039-a26b-4c41f9684fde/MicrosoftTeams-image - 2022-01-14T214438.938.jpg" width="319" height="426" /><img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/98d34fee-0b0b-4282-995a-f63a52bb4f9a/WhatsApp Image 2022-01-01 at 12.02.12 PM.jpg" width="320" height="426" />
There are so many unforgettable moments, such as seeing the window stickers and billboard for the first time, packing 1500 PowerDraw capsules manually, seeing colleagues who should have worked in the Cyberport office being the booth helpers, and having visitors who travelled far away to Central just to show their support. All these little moments mean so much to us.&nbsp;
Thank you all ZA colleagues, who have helped to pick up the beam bags, cheered at the game booths, given out chops and gifts to the visitors,&nbsp; installed the PowerDraw capsules, and more. This shows our teamwork which contributed hugely to the success of ZA Carnival!&nbsp; <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/ec37a251-025e-448d-b6e3-36128b41e624/MicrosoftTeams-image - 2022-01-19T165938.938.png" width="660" height="371" /> <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/1842592c-65cf-47b9-bd46-a2f4dbf315bf/MicrosoftTeams-image (156).jpg" width="655" height="368" /> <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/2b68a82c-bfd2-4399-a1a8-af3c4d0f8412/WhatsApp Image 2022-01-01 at 12.02.20 PM.jpg" width="325" height="434" /><img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/ec34c1be-be08-475c-8728-6c0adab47984/WhatsApp Image 2022-01-01 at 12.02.34 PM.jpg" width="326" height="435" />| <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/eaeb5a57-8092-4770-8a66-0616686f5196/MicrosoftTeams-image - 2022-01-19T180950.616.png" width="650" height="487" />
The public participation at the Carnival was unexpectedly great. Every day, we had seen queues in each booth, kids and their parents being amused after catching the PowerDraw capsules and getting excited at the Battle game booth, and so on. We felt contented and delighted, and the effort was totally worth it. To all the visitors, thank you for making the ZA Carnival a great one!&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/7b7cb37c-768e-4e26-8e32-a1d272687cfc/MicrosoftTeams-image - 2022-01-14T223653.808.png" width="657" height="369" /> <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/028b61c7-9efd-4cac-911e-1342dd039841/JT028636.jpg" width="656" height="438" /> <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/eb5679ec-507f-4c18-9aad-ae46113e9caf/61a62e3c-7be4-444b-b4a6-82cc531632df/MicrosoftTeams-image (155).jpg" width="656" height="492" />
&lsquo;What&rsquo;s next?&rsquo; Unfortunately, ZA Carnival could only be open to public for a week. Regardless of the reluctance to say goodbye, we are happy that the event has drawn 7700+ visitors and received many positive feedbacks. Learning from the event, we will continue to &lsquo;Be the Game Changer&rsquo; and bring a different experience to you. &nbsp;
Last but not least, please #Staysafe and we cannot wait to see you soon. We look forward to co-create more beautiful memory with you in 2022. If you&rsquo;ve visited ZA Carnival and enjoyed the event, please do not hesitate to give a &lsquo;like&rsquo; to this article. This would be the most significant support to us!&nbsp;
Team ZA&nbsp;
*ZA Carnival Sponsored by ZA Bank

Thank you for supporting ZA Carnival 

Seeing repeating numbers like 333 frequently may be a sign from the angels, but if the number is 1.75, it&rsquo;s a message from ZA Bank! 💌
&nbsp;
🏃 Started the day by jogging 1.75 km.
👀 Had an exam this afternoon with a result of -1.75 on both eyes.
🤩 Found &lsquo;Fixed Tax Loan Rate at 1.75%&rsquo; at ZA Bank while scrolling the phone before bed.
&nbsp;
&nbsp;
From now till 31 Mar, apply and draw down a tax loan of HKD 200,000 or above with a tenor of 6-36 months, APR guaranteed at 1.75%!
&nbsp;
👉 Learn more: <a href="https://bank.za.group/en/loan">https://bank.za.group/en/loan</a>
&nbsp;
<a href="https://bank.za.group/agreement/html/en_US/1000124" target="_blank" rel="noopener">Terms and Conditions</a> apply. To borrow or not to borrow? Borrow only if you can repay!
&nbsp;
&nbsp;
<hr />
The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.
&nbsp;
&nbsp;
&nbsp;

ZA Bank fixed Tax Loan rate at 1.75%

1.75 in different facets of life

Don't want to pay taxes for April now, but worried about getting fined?😫 Simply scan and schedule your tax payment via the ZA Bank App now! 🥰
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f5064a2-0ef0-499b-90ae-3d7797c8228e/e6622fc7-1312-473f-8bb5-128d78dfb48d/SC - 步骤.png">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f5064a2-0ef0-499b-90ae-3d7797c8228e/d541ba1f-2438-405a-b7ea-c8413804af72/SC - 步骤-1.png">
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f5064a2-0ef0-499b-90ae-3d7797c8228e/d610c94a-4ff0-462d-8042-fbfb341aa7a7/SC - 步骤-2.png">
&nbsp;
<style>.ipage_blog_static_html_content img {max-width: 100%;height: auto;}</style>
<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content" style="text-align: center;">Try it out now!🚀</div>
</div>
<span lang="EN-US" style="font-size: 10.5pt; mso-bidi-font-size: 11.0pt; font-family: 等线; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">

👀 Worried about April taxes? Schedule now!

This Christmas, travelling abroad seems a bit hard. Staying at home to enjoy 🍿 movies, 🎶 music, 🎮 gaming can also be AWESOME!
&nbsp;
From now till 31 Mar 2022, you can enjoy 11% rebate* on all 🍎 Apple Services with ZA Card &ndash; including Apple Music, Apple TV+, iCloud! Besides, you can also get a Genshin Impact bundle^ when you spend with ZA Card!
&nbsp;
We wish you a lovely Christmas, with lovely rebates on Apple Services! 🤩
&nbsp;
Add your ZA Card to Wallet App to spend safely and easily.
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/d7535e2d-9f41-404d-842b-0be49c2d33b1/image/30ec8dfb-dcf4-429d-a0ec-f4cbf5a344be/Add to wallet - en.jpg" alt="" width="720" height="383" />
&nbsp;
1. Open the Wallet App 2. Tap the plus sign in the upper right corner 3. Select「Next」and follow the instructions to enter the card information
&nbsp;
&nbsp;
<hr />
*The rebate is in a form of ZA Coin. User must successfully link ZA bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion. Every HKD 1 eligible transaction will earn you 11 ZA Coin (equal to HKD 0.11). The maximum ZA Coin you can earn at all designated merchants per month is 15,000 (equal to HKD 150). <a href="https://bank.za.group/agreement/html/en_US/1000024" target="_blank" rel="noopener">Terms and conditions</a> apply.
^Offer is provided by the merchant. You can get a Genshin Impact limited bundle when you add ZA Card to Apple ID payment method and spend designated amount at Apple Services. You can get each bundle once at most. The redemption code of the bundle will be distributed to ZA Bank App within 3 working days after you fulfill eligibility. <a href="https://bank.za.group/agreement/html/en_US/1000024" target="_blank" rel="noopener">Terms and conditions</a> apply.

Use ZA Card to enjoy 11% rebate for Apple Services! #ZA Bank

From 4 Apr onwards, we have another way to use ZA Coin that you earned from ZA Card! 💰 We&rsquo;re excited to announce the opening of ZA Mall, our new platform where you can redeem everyday goods with your ZA Coin. 
&nbsp;
⚡ ZA Mall&rsquo;s first flash deal: ZA anti-epidemic kit for only 500 ZA Coin (equivalent to HKD 5)1! There is a daily quota of 100 packs on a first come, first served basis. And it&rsquo;ll refresh at 3pm from 4 Apr to 11 Apr. Make sure you have the alarm clock set!
&nbsp;
<h3>⏰ ZA Anti-epidemic Kit 💰 500&nbsp;ZA Coin (equiv. HKD 5) </h3>
<div>&nbsp;</div>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/004cfa68-cef4-4621-8ccc-f75f9d148705/61e044b3-32e8-4dd6-97f7-731722edb255/Frame 1000003369 (11).png" />
&nbsp;
&nbsp;
<ul>
<li>GreenSpring Rapid Antigen Test Kit (5 pcs)</li>
<li>ZA x&nbsp;Maskology mask (4&nbsp;pcs)</li>
<li>Mask cover (1&nbsp;pc)</li>
</ul>
<div>Daily quota: 100, first come, first served. For ZA Coin redemption only. </div>
<a href="https://mall.za.group/en" target="_blank" rel="noopener">Go to ZA Mall</a>
&nbsp;
<h2>🛡️ GreenSpring RAT (10 packs) 💰 9,000 ZA Coin (equiv. HKD 90) <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/004cfa68-cef4-4621-8ccc-f75f9d148705/15f3224c-f8a6-428e-9fdb-43a5d4daa2ce/Frame 1000003369 (9).png" /></h2>
For ZA Coin redemption only
&nbsp;
<a href="https://mall.za.group/en" target="_blank" rel="noopener">Go to ZA Mall</a>
&nbsp;
<h3>🛡️ ZA Anti-epidemic Kit Lite 💰 HKD 45</h3>
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/004cfa68-cef4-4621-8ccc-f75f9d148705/88a5ee9d-9e08-4199-ab6e-4c2c077ce77d/Frame 1000003369 (10).png" /> 
<ul>
<li>ZA x&nbsp;Maskology mask (20&nbsp;pcs)</li>
<li>Mask cover (1 pc) </li>
</ul>
<div>Daily quota: 100, first come, first served. For ZA Coin redemption only. <a href="https://mall.za.group/en" target="_blank" rel="noopener">Go to ZA Mall</a></div>
 Not enough ZA Coin? Spend with ZA Card and get a chance to win up to 324% rebate2&nbsp;&ndash; stock up your ZA Coin now! 
<hr />
1. <a style="color: #7e8c8d;" href="https://cdn.za.group/if/za-group-portal-web/assets/files/ZACoin_TC_Eng.pdf" target="_blank" rel="noopener">Term and conditions</a>&nbsp;apply. Redemption Services and merchandises are operated by ZA International Financial Services Limited. The company will use its best endeavour to collect the necessary and accurate information from merchants for facilitation of the redemption and usage of the merchandise and gift voucher. However the company makes no warranty that the information is correct and accepts no liability for failure or delay in the delivery of gift vouchers and merchandises.
2. From now till 20 Apr, each eligible 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 324% 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.&nbsp;<a style="color: #7e8c8d;" href="https://bank.za.group/agreement/html/en_US/1000025" target="_blank" rel="noopener">Terms and conditions</a>&nbsp;apply.

⏰ Flash sale: 500 ZA Coin only!

The pandemic might have changed the way we live. Nonetheless, ZA Bank team is here for you under any circumstances! 🤝
&nbsp;
<hr />
&nbsp;
#StaySafe 3rd step: financial support 💰
&nbsp;
While the economy is dramatically curtailed by the pandemic, we&rsquo;ve prepared some special loan offer for individuals and Small &amp; Medium-sized Enterprise (SME) owners.
&nbsp;
⚡ Speedy loan approval for SEM owners&nbsp;&nbsp;
From now till 27 Mar, SME owners using promo code 'SPEEDY' to apply Personal Instalment Loan can get an underwriting approval result in as fast as 1 day and 10% off interest rate1!
&nbsp;
💲 Free salary advance for 1 month
From now till 27 Mar, employees from designated industries2 applying &lsquo;Salary FastPass&rsquo;3 can enjoy getting paid earlier and a 30-day&nbsp;interest-free period4!&nbsp;
&nbsp;
Need a hand? Apply in the ZA Bank App now! #StaySafe
&nbsp;
<hr />
<a href="https://bank.za.group/agreement/html/en_US/1000492" target="_blank" rel="noopener">Terms and Conditions</a> apply. To borrow or not to borrow? Borrow only if you can repay!
1 Eligible user must be an owner of a company and fill in &ldquo;self-employed&rdquo; as occupation category in the loan application. By applying for an Instalment Loan with Promo Code &ldquo;SPEEDY&rdquo; on or before 27 March 2022, successfully uploading required documents and completing the loan application, ZA Bank would prioritize the loan application, while the actual processing time of application varies depending on the actual number of applications received by ZA Bank. For a loan application of HKD 50,000 or above, a 10% Loan Discount Coupon will be granted and added to eligible user&rsquo;s ZA Bank account directly upon inputting the Promo Code. The Loan Discount Coupon is valid for 14 calendar days after entering the Promo Code.
2 Designated industries include retail, catering/ restaurants, hotel/ property management/ security, logistics/ courier services/ warehouse, construction.
3 Salary FastPass application must be submitted within the Promotion Period, approved and successfully activated on or before March 31, 2022. The first drawdown must be on or before April 30, 2022.
4 After the 7-day interest-free period of the first drawdown, the interest generated from the 1st to 23rd day of the cycle period will be auto-returned to customer's ZA Bank account within 60 working days after program ends.

ZA Bank #StaySafe2.0 series: Individual & SME owners' loan

#StaySafe2.0 series: Individual & SME owners' loan 💖

Don&rsquo;t let COVID-19 get you down! If you're going to stay at home for a while, we've got some ideas for how you can still have fun! 🏠
&nbsp;
<h3>💪 #StaySafe 2nd&nbsp;step: Rebate</h3>
There's never been a better time to use ZA Card to pay for Netflix, Deliveroo, Foodpanda and more. From now till 31 May, you can get up to 50% off on 1st month payment of the selected platforms&sup1; if you pay in 3 consecutive months with ZA Card &ndash; keep doing what you love most!
&nbsp;
&nbsp;
📺 Full access to movies and shows
<a href="https://www.netflix.com/hk-en/" target="_blank" rel="noopener"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0b312129-8029-45a5-8af5-2b2e2755cabf/005a9f9c-8cdd-4fdf-bdc3-c7f35ed69493/NETFLIX.jpg" width="307" height="21" /></a>
<a href="https://www.viu.com/ott/hk/en-us/" target="_blank" rel="noopener"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0b312129-8029-45a5-8af5-2b2e2755cabf/a7cf6e75-6049-49d3-ae30-c655f5ab0ff7/VIU.jpg" width="307" height="28" /></a>
🎧 Groove in music
<a href="https://open.spotify.com/" target="_blank" rel="noopener"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0b312129-8029-45a5-8af5-2b2e2755cabf/ec4a6672-739a-46ab-8dac-d557b5dc257d/SOPTFY.jpg" width="307" height="24" /></a>
<a href="https://moov.hk/" target="_blank" rel="noopener"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0b312129-8029-45a5-8af5-2b2e2755cabf/4f7c7ed0-c283-45cb-a12b-1e29bace6ead/MOOV.jpg" width="307" height="24" /></a>
🍝 Order food with Deliveroo Plus &amp; pandapro 
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<a href="https://deliveroo.hk/en/plus" target="_blank" rel="noopener"><img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0b312129-8029-45a5-8af5-2b2e2755cabf/834770dd-663d-44b4-9f81-2b8531682529/bfc0387f-8b93-9a3e-e7b4-a4ecf3fcdbce.png" width="150" height="75" /></a><a href="https://www.foodpanda.hk/zh/contents/pandapro?r=1" target="_blank" rel="noopener"><img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0b312129-8029-45a5-8af5-2b2e2755cabf/7691b769-a851-4c34-87a3-abfe18fb434c/2da0d2d2-0080-e2c2-ad68-3b60570b42a4.png" width="150" height="75" /></a>
Not only that, you can also enjoy a special discount to subscribe to mobile and home broadband service via&nbsp;designated links below.
<a href="https://www.smartone.com/en/Home5GBroadband/?utm_campaign=202202-zabank-staff&amp;utm_source=zabank&amp;utm_medium=referral&amp;utm_content=zabank-staff-portal-en#/a/a1/" target="_blank" rel="noopener"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0b312129-8029-45a5-8af5-2b2e2755cabf/9aae2c1b-e9a0-4c88-84ba-9a55854f42c2/f18a993a-1a10-e4cb-794f-9e7e78112876.png" width="150" height="75" /></a>
<a href="https://www.smartone.com/en/Home5GBroadband/?utm_campaign=202202-zabank-staff&amp;utm_source=zabank&amp;utm_medium=referral&amp;utm_content=zabank-staff-portal-en#/a/a1/" target="_blank" rel="noopener">HKD 148 per month&nbsp;</a><a href="https://www.smartone.com/en/Home5GBroadband/?utm_campaign=202202-zabank-staff&amp;utm_source=zabank&amp;utm_medium=referral&amp;utm_content=zabank-staff-portal-en#/a/a1/" target="_blank" rel="noopener">for unlimited 5G data</a>2
<a href="https://www.hkbn.net/personal/mobile/en/select-plan/MT100G149?utm_source=ZAbank&amp;utm_medium=link&amp;utm_campaign=email" target="_blank" rel="noopener"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/0b312129-8029-45a5-8af5-2b2e2755cabf/19769e62-8607-4e15-8113-e04c22efb57d/c2f2a116-2116-c471-16b3-77750833e498.png" width="150" height="75" /></a>
<a href="https://www.hkbn.net/personal/mobile/en/select-plan/MT100G149?utm_source=ZAbank&amp;utm_medium=link&amp;utm_campaign=email" target="_blank" rel="noopener">HKD149 per month for 100GB 5G mobile data</a><a href="https://www.hkbn.net/personal/mobile/en/select-plan/MT100G149?utm_source=ZAbank&amp;utm_medium=link&amp;utm_campaign=email" target="_blank" rel="noopener"> plan</a>2 and a 6-month Disney+ free pass&nbsp;
&nbsp;
Plus, you can enter PowerDraw to win up to&nbsp;200% cash rebate3&nbsp;after the subscription!
 😷 In case of need, head to our 9 mask merchants to enjoy&nbsp;11% rebate4&nbsp;with ZA Card!&nbsp;Get your mask on and #StaySafe!
<hr />
1. The promotion period is from now until 31 May 2022. By using ZA Card to pay for eligible transactions (EXCLUDING payment via Paypal, Apple Pay or Google Pay) of the same designated merchant(s) in 3 consecutive calendar months, users can earn 50% cash rebate on the eligible transactions of the designated merchant(s) in the first calendar month. Maximum rebate that each user can earn is HKD 50. The cash rebate will be credited to user&rsquo;s ZA Bank account on 17 Jun 2022.&nbsp;<a style="color: #95a5a6;" href="https://bank.za.group/agreement/html/en_US/1000025" target="_blank" rel="noopener">Terms and conditions&nbsp;</a>apply.
<div>&nbsp;
<div>2.&nbsp;The offers are provided by merchants. ZA Bank users must use the designated link to subscribe for the services. Please refer to related merchants&rsquo; terms and conditions&nbsp;&nbsp;provided by merchants in the bottom of designated pages. &nbsp;</div>
<div>3. &nbsp;The promotion period is from now until 11 March 2022. User must successfully link ZA bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion. Each eligible transaction of not 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. User may choose to exercise the Chance in the CNY special edition 'PowerDraw' machine to win up to 88,800 ZA Coin or other designated rewards; or in the regular 'PowerDraw' machine to win a rebate of up to 200% of the transaction amount (in the form of ZA Coin which is capped at 1,000,000 per transaction).&nbsp;<a style="color: #95a5a6;" href="https://bank.za.group/agreement/html/en_US/1000025">Terms and conditions&nbsp;</a>apply.</div>
&nbsp;&nbsp;
<div>
<div>4. The promotion period is from now until 31 Mar 2022. User must successfully link ZA Bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion. Every HKD 1 eligible transaction will earn you 11 ZA Coin (equal to HKD 0.11). The maximum ZA Coin you can earn at all designated merchants per month is 15,000 (equal to HKD 150).&nbsp;<a style="color: #95a5a6;" href="https://bank.za.group/agreement/html/en_US/1000024">Terms and Conditions</a>&nbsp;apply. All the information you provide will be subject to confidentiality and security terms of the applicable third-party site after accessing through the hyperlinks in the email. ZA Bank Limited is not responsible or liable for the information you provide at such third-party sites.</div>
</div>
</div>

#StaySafe 💪 50% off on Netflix and more

<div data-pm-slice="0 0 []" data-en-clipboard="true">The pandemic outbreak may cause everyone uncertainty and anxiety &ndash; we share your feelings. But don&rsquo;t worry as we&rsquo;re in this together. 💚 To support each other in the community, we&rsquo;re launching a number of #StaySafe 2.0 activities today.</div>
<div data-pm-slice="0 0 []" data-en-clipboard="true">&nbsp;</div>
<div data-pm-slice="0 0 []" data-en-clipboard="true"><hr /></div>
<div>&nbsp;</div>
<div>💪 #StaySafe 1st step: Protection</div>
<div>From now till 28 Feb, you can enjoy the following protection by applying for any insurance products with promo code &lsquo;STAYSAFE&rsquo; in the ZA Bank App, with an annual payment plan of HKD 600 of above:</div>
<div>&nbsp;</div>
<div><img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e5789fd5-1aa2-4d61-a092-ce3b08bad124/9c22d769-1668-4420-af78-776b6836a3d1/MicrosoftTeams-image (82).png" alt="" width="385" height="181" /></div>
<div>&nbsp;</div>
<div>1️⃣ Two rapid antigen test kits1 (worth HKD 336)</div>
<div>The test kits will be delivered to your door upon successful purchase. First-come-first-serve basis and while stock lasts.</div>
<div>&nbsp;</div>
<div>DEEPBLUE COVID-19 Rapid Antigen Test Kit2</div>
<div>✅ Passed EU CE1434 Certification</div>
<div>✅ Detect 99.9% of known variant of coronavirus (including Omicorn / Delta variant)</div>
<div>✅ Get the result in 15 mins</div>
<div>&nbsp;</div>
<div>2️⃣ Up to HKD 20k ZA Relief Fund3</div>
<div>If you&rsquo;re diagnosed with COVID-19, you&rsquo;ll get an emergency aid of HKD 20,000.</div>
<div>&nbsp;</div>
<div>The application can complete within 3 minutes4&nbsp;in the ZA Bank App, and body check is not required. More #StaySafe 2.0 activities are on the way &ndash; stay tuned and safe.</div>
<div>&nbsp;</div>
<div><hr /></div>
<div>&nbsp;</div>
<div>1From now till 28 February 2022, customer can get two free DEEPBLUE antigen test kits and free delivery service once by entering the promo code 'STAYSAFE' and applying for ZA Life Protection, ZA Cancer Protection or ZA Heart Attack and Stroke Protection with annual premium of HKD 600 or above and in annual payment mode. The test kits will be sent to customer's residential address within 14 days after policy is effective. <a href="https://bank.za.group/agreement/html/en_US/1000487" target="_blank" rel="noopener">T&amp;C</a> apply.</div>
<div>2 Information of the test kits is extracted form DEEPBLUE official website: <a href="https://www.dbluemedical.com" target="_blank" rel="noopener">https://www.dbluemedical.com</a></div>
<div>3 ZA Relief Fund is set up by ZA International (ZhongAn Technologies International</div>
<div>Group Limited) and managed by its non-profit subsidiary ZA Care Limited. Applicants should be confined or confining at a hospital in the HKSAR. <a href="https://cdn.zaticdn.com/if/zaif-cps-seagull-service/20220125/ZA_Insure_policyholder_Relief_Fund_flyer_2022_EN_10397.pdf" target="_blank" rel="noopener">T&amp;C</a> apply.</div>
<div>4 The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can complete the application within 3 minutes.</div>

Free rapid antigen test kits for you 

💪 Free rapid antigen test kits for you 💁‍♀️

Gained some weight while working from home? 😥 Don't worry! Let&rsquo;s workout from home with us! 🏃&zwj;♂️&nbsp; &nbsp; Starting from 14 Mar, we will invite professional instructors from PURE Fitness and PURE Yoga to guide you through a 30-minute simple workout on ZA's official IG (@zappy_alfie) every day! Follow along to shed weight and stress! 😉
&nbsp;
Schedule
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/549e5198-43b6-4363-937d-1f7764542ad3/350d8dda-33ee-4cf5-9d13-660bd970369c/PURE x ZA Bank schedule 1.png" alt="" width="1200" height="571" />
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/549e5198-43b6-4363-937d-1f7764542ad3/19cdb639-3fa6-4659-ae81-a6db830dd366/PURE x ZA Bank schedule 2.png" alt="" width="1200" height="571" />
&nbsp;
We have more gifts for you! ZA Bank presents you the exclusive offer with PURE Fitness and PURE Yoga so you can back to work out vibe after gym room reopens! 🏃&zwj;♂️&nbsp;
&nbsp;
🎁 Open account to get HKD 250*&nbsp;
Open ZA Bank account with invitation code "PUREZA" and spend with ZA Card within 14 days after successful account opening, you can get HKD 250 cash reward!&nbsp;
&nbsp;
🎁 ZA Card exclusive rewards^ 
ZA Bank customers exclusively enjoy the below offers with ZA Card before 30 April:
👉 Complimentary trial of PURECAST online fitness and yoga classes
- Waiver of joining fee
- Join 6-month contract &rarr; Get one bonus month&nbsp;
- Join 12-month contract &rarr; Get one bonus month PLUS 1-month complimentary upgrade to next tier package type&nbsp;&nbsp;&nbsp;
- Join 24-month contract &rarr; Get one bonus month PLUS 2-month complimentary upgrade to next tier package type&nbsp;
👉 Join All-Hong Kong Fitness &amp; Yoga contract:
- 6-month contract &rarr; Get one bonus month PLUS 1-month complimentary upgrade to All-Asia&nbsp;
- 12-month contract &rarr; Get one bonus month PLUS 3-month complimentary upgrade to All-Asia&nbsp;
- 24-month contract &rarr; Get one bonus month PLUS 6-month complimentary upgrade to All-Asia&nbsp;
&nbsp;
&nbsp;&lt;<a style="background-color: #fbeeb8;" href="https://form.pure-international.com/form.php?code=JP_ZABANK" target="_blank" rel="noopener">Act now</a>&gt;&nbsp;
You are now leaving our website and entering a third-party site.&nbsp;
All the information you provide will be subject to confidentiality and security terms of the applicable third-party site after accessing through this hyperlink.&nbsp;&nbsp;
ZA Bank Limited is not responsible or liable for the information you provide at such third-party sites.&nbsp;
&nbsp;
&nbsp;
*Customer must have never opened ZA Bank account. To receive HKD 250 cash rewards, customer must successfully open an account with the invitation code &ldquo;PUREZA&rdquo; from March 14, 2022 to April 30, 2022, and complete a transaction with ZA Card within 14 days after successful account opening. Terms and conditions apply: https://bank.za.group/agreement/html/zh_HK/1000501.&nbsp;
^ Offers are provided by PURE. Complimentary trial of PURECAST is available to PURE visitors who are Hong Kong residents and 18 years old or above. Joining offer is only applicable to guests who successfully sign a 6-month or above PURE contract within the promotion period. Terms and conditions apply, please refer to PURE official website for details: https://form.pure-international.com/form.php?code=JP_ZABANK.

#StaySafe 2.0:  PURE X ZA Bank Exclusive Offer 

The Best Deal of Hong Kong Hotels for Staycation | Hong Kong + Kowloon + New Territories 

With your support and trust, we&rsquo;ve grown from the '1st' to 'Hong Kong&rsquo;s No.1 Virtual Bank' [1] in just 1 year!
Let's take a look at what we've achieved in the last 365 days:

<figure class="kg-card kg-image-card"><img class="kg-image" src="https://cdn.zaticdn.com/if/ipage/prd/data/d7b48b7e-4b8b-4208-be5f-908a393d5fdc/image/cedf3b44-2c9c-4d1b-853a-80b8cec2fa2e/info1.png" /></figure>

<figure class="kg-card kg-image-card"><img class="kg-image" src="https://cdn.zaticdn.com/if/ipage/prd/data/d7b48b7e-4b8b-4208-be5f-908a393d5fdc/image/9331f764-b430-41d1-a1f2-16784037cf6e/info2.png" /></figure>

<figure class="kg-card kg-image-card"><img class="kg-image" src="https://cdn.zaticdn.com/if/ipage/prd/data/d7b48b7e-4b8b-4208-be5f-908a393d5fdc/image/965c508d-ee65-4f2d-8705-f1cc2b458351/info3.png" /></figure>

<figure class="kg-card kg-image-card"><img class="kg-image" src="https://cdn.zaticdn.com/if/ipage/prd/data/d7b48b7e-4b8b-4208-be5f-908a393d5fdc/image/4b82f6d2-0e95-4930-a2b7-bb2466ce4007/info4.png" /></figure>

<figure class="kg-card kg-image-card"><img class="kg-image" src="https://cdn.zaticdn.com/if/ipage/prd/data/d7b48b7e-4b8b-4208-be5f-908a393d5fdc/image/6ecfe330-3390-4bd5-9cb1-4654a4106ac9/info5.png" /></figure>

<figure class="kg-card kg-image-card"><img class="kg-image" src="https://cdn.zaticdn.com/if/ipage/prd/data/d7b48b7e-4b8b-4208-be5f-908a393d5fdc/image/481a5e19-6dd4-4dae-892d-d50fb5c1341d/info6.png" /></figure>

&nbsp;
Here're some nice news headlines by our media friends as well (Chinese only):
<ul>
<li>HK01 | <a href="https://www.hk01.com/%E5%B0%88%E9%A1%8C%E4%BA%BA%E8%A8%AA/600086/%E8%A8%AA%E5%95%8F-za-bank-%E5%AE%A2%E6%88%B6%E7%AA%81%E7%A0%B430%E8%90%AC-%E5%86%80%E4%B8%8A%E5%8D%8A%E5%B9%B4%E6%8E%A8%E4%B8%AD%E5%B0%8F%E4%BC%81%E8%B2%B8%E6%AC%BE">ZA Bank：客戶突破30萬　冀上半年推中小企貸款</a></li>
<li>Apple Daily | <a href="https://hk.appledaily.com/finance/20210317/NZAFXHR7ERAWBCAN2RN3VPQVKI/">眾安銀行上客量突破30萬　派發存款利息逾3800萬元</a></li>
<li>Hong Kong Economic Times | <a href="https://inews.hket.com/article/2902556">【虛擬銀行】眾安銀行1客戶　年半賺150萬元存息</a></li>
</ul>
&nbsp;
We&rsquo;ll continue to be the Game Changer. 💚

<hr />

<ol>
<li>&lsquo;No.1&rsquo; is defined by ZA Bank&rsquo;s leading position in the virtual banking industry in terms of number of users, personal deposits and loan amount as of 31 December 2020.</li>
</ol>

【ZA Bank】 We're now Hong Kong’s No.1 Virtual Bank!

We're now Hong Kong’s No.1 Virtual Bank! #ZA Bank

The ZA Bank App can only be better with your feedback! 🤝 We got feedback from the social community and customer service team. We also set up a survey to find out what you thought about the App. 📝 With that, here&rsquo;re the 4 key updates we&rsquo;ve brought you in the latest version 1.2.9: 🎮&nbsp;ZA Quest &ndash; make banking more than that A brand new ZA Quest feature brings you a gamified banking experience! Start your journey under the &lsquo;More&rsquo; &gt; &lsquo;ZA Quest&rsquo; while waiting for your takeaway to collect our limited edition Zappy &amp; Alfie avatars!😉<img src="https://cdn.zaticdn.com/if/ipage/prd/data/0e4af736-efa2-42d4-9149-98c761430b30/image/4ba5d77e-7aa0-4c07-bef1-e32d88e5585e/8329b06c-e83f-4594-bc3d-b24d97072ca3.png" alt="" />


&nbsp;
💳&nbsp;Introduce credit card bill payment function
We understand the hassle of <a href="https://blog.za.group/en/article/credit_card_payment" target="_blank" rel="noopener">paying credit card bills</a> every month. Don&rsquo;t worry, we got you covered. 💪 We&rsquo;ve enhanced our payment service covering all local banks&rsquo; credit cards. It only takes you a few taps to set it up in the ZA Bank App. Let us know your thoughts after giving it a try.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/0e4af736-efa2-42d4-9149-98c761430b30/image/740ddff0-a879-45b6-9b25-8def651190e5/f780bca7-23cf-4721-be21-8a68c1c5ded4.png" alt="" width="1125" height="1495" />


&nbsp;
🍀&nbsp;PowerDraw shows clearer reward details&nbsp;
You told us you had a hard time knowing how much rebate you won from each draw. With the latest ZA Bank App we&rsquo;ve refined it and from now on, you&rsquo;ll be able to see the actual rebate % you get (hope you win the highest rebate ☺️).&nbsp;&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/0e4af736-efa2-42d4-9149-98c761430b30/image/fe99dd4a-006b-4f0a-be40-78dc9ce968f4/0063c3c1-ec56-484e-830f-b5534f7495e3.png" alt="" width="1125" height="1495" />


&nbsp;
💸&nbsp;Receive money from corporates easily&nbsp;
Register your HKID as the FPS Proxy ID then you&rsquo;ll be able to receive payments made from corporates and the HKSAR Government.<img src="https://cdn.zaticdn.com/if/ipage/prd/data/0e4af736-efa2-42d4-9149-98c761430b30/image/7af1d3c2-8fcd-4808-9141-edc6da049f2d/0633dfd4-e8df-473e-994f-ad3eae68793d.png" alt="" width="1125" height="1495" />


Hope you enjoy the upgrade we had this time, and there&rsquo;s still work for us to do! 🔧 We&rsquo;ll continue collecting your feedback and building the ZA Bank App with you. 💚 Feel free to reach out to us on <a href="https://www.facebook.com/za.grp/">Facebook</a> or <a href="mailto:bank.opinion@za.group">bank.opinion@za.group</a> and keep an eye out for the next App update.

【ZA Bank】Introducing ZA Bank App's 4 key updates

Introducing ZA Bank App's 4 key updates #ZA Bank

<h3 id="pioneer-of-the-industry">Pioneer of the Industry</h3>
&nbsp;
Today marks ZA Bank&rsquo;s first day as Hong Kong&rsquo;s first fully-operational virtual bank. It has been a year of non-stop work since obtaining our license from the HKMA in March 2019 and our pilot trial in December 2019.
Building a bank from scratch in such a short period of time is no easy task. But the passion and grit of the ZA team made the impossible now a reality, despite Covid-19 and home office arrangements recently.
With the support of and feedback from our ZA Fam, we precisely identified the pain points in the industry and have now become a bank that truly solves the needs of our users.
<h3 id="build-together">Build together</h3>
&nbsp;
We have all waited hours and hours on end to open an account at traditional banks. Wait no more. &nbsp;ZA customers can open their virtual bank account in five minutes, with just a phone number and an HKID card, all in the comfort of your own home.
In addition, most people feel that their savings interest rates are far too low. Many are also discouraged by the minimum deposit requirements and time commitment of banking products with higher returns. Therefore, we are pleased to roll out a brand new savings deposit product. <a href="https://bank.za.group/deposit">ZA Savings Go</a> enables you to simultaneously grow your wealth, in this conventionally ultra-low interest rate environment, and enjoy liquidity, as you are free to make withdrawals anytime to pay for bills or deal with any financial emergency. With no minimum balance requirement, you can enjoy an annual savings deposit rate of 1%[1], 1000 times above the market rate[2].
Finally, your calls for an instant loan offer are heard. To all our users, we announce our <a href="https://bank.za.group/loan">30-minute pledge</a> for our personal loan service. This is truly an unprecedented move in Hong Kong. From submitting the complete set of information and documents to receiving the application results, should any applicant have to wait for more than 30 minutes, ZA Bank will provide a cash rebate of HKD 10 per every minute of overtime[3], with an upper limit of HKD 500, to ensure our loans are &ldquo;instant&rdquo;.
<h3 id="be-different-together">Be different, together</h3>
&nbsp;
Today marks the beginning of a new era. For you. For us. For the whole industry.
We will continue to treasure your feedback and commit to our community-driven approach to make banking accessible to everyone through technology.
Thank you once again for all of your steadfast support. I promise to walk with you all hand-in-hand to create a better virtual bank for a better future.

<hr />

[1] The interest rate is effective on 24 Mar 2020. Please check out the latest rates <a href="htttps://bank.za.group/deposit">here</a>. Terms and Conditions apply.
[2] Based on the ZA Savings Go rate (1% p.a.) and the savings rate of most retail banks for HKD100k on 24 Mar 2020 (0.001%). Promotional offers excluded. If ZA Savings Go rate or the market rate changes, the comparison result will be different.
[3] Service hours between 9:30 am to 1 am, Monday to Sunday. Terms and Conditions apply.

[ZA Bank] From 0 to 1, Hong Kong’s first virtual bank is finally here.

From 0 to 1, Hong Kong’s first virtual bank is finally here. #ZA Bank

<h2>#Tips 1: Use up your dependent tax allowance</h2>
&nbsp;
If you have dependent parents or grandparents, you are entitled to a tax allowance of up to HKD100,000 for each dependent parent.
&nbsp;
<table style="border-collapse: collapse; width: 100%; height: 443px; border-color: #000000; border-style: solid;" border="2">
<tbody>
<tr>
<td style="width: 99.6647%;" colspan="2" width="520">
Dependent parent and dependent grandparent allowance (by each dependent)
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
Age 55 - 59
</td>
<td style="width: 49.6647%;" width="260">
HKD 25,000
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
Age 60 or above
</td>
<td style="width: 49.6647%;" width="260">
HKD 50,000
</td>
</tr>
<tr>
<td style="width: 99.6647%;" colspan="2" width="520">
Additional dependent parent and dependent grandparent allowance (by each dependent)*, 1
*If the dependant has lived with you continuously throughout the whole year without paying the full cost, you are also entitled to an additional allowance.
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
Age 55 - 59
</td>
<td style="width: 49.6647%;" width="260">
HKD 25,000
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
Age 60 or above
</td>
<td style="width: 49.6647%;" width="260">
HKD 50,000
</td>
</tr>
</tbody>
</table>
&nbsp;
If you have siblings, the person with the higher net chargeable income can claim the dependent parent allowance. If the net chargeable income is similar, you all may take turns claiming it. The additional allowance is applicable to people who live with the dependent throughout the year.
&nbsp;
<h2>#Tips 2：HKD 0 tax for an annual salary of nearly HKD 1M?</h2>
&nbsp;
Taking a married couple, who support 2 children and parents on both sides (aged 60 or above), as an example:
&nbsp;
<table style="border-collapse: collapse; width: 100.201%; height: 659px; border-color: #000000; border-style: solid;" border="2">
<tbody>
<tr>
<td style="width: 50%;">
Income
</td>
<td style="width: 49.6654%;">
HKD 1,000,000
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
Married person&rsquo;s allowance1
</td>
<td style="width: 49.6654%;" width="260">
HKD 264,000
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
3 children allowance1
</td>
<td style="width: 49.6654%;" width="260">
HKD 360,000 (120,000*3)
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
4 dependent parents allowance1
</td>
<td style="width: 49.6654%;" width="260">
HKD 200,000 (50,000*4)
</td>
</tr>
<tr>
<td style="width: 50%;">
Total tax allowances
</td>
<td style="width: 49.6654%;">
HKD 824,000
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
Qualifying premium paid under 8 VHIS policy ^,1
</td>
<td style="width: 49.6654%;" width="260">
HKD 64,000
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
Qualifying annuity premiums #, 1
</td>
<td style="width: 49.6654%;" width="260">
HKD 120,000
</td>
</tr>
<tr>
<td style="width: 50%;" width="260">
Total tax deductions
</td>
<td style="width: 49.6654%;" width="260">
HKD 184,000
</td>
</tr>
</tbody>
</table>
&nbsp;
^You can apply for the VHIS for your spouse/ children/ grandparents/ siblings and get the tax deductions. (Capped at HKD 8,000 per insured person)
&nbsp;
#and/ or tax-deductible MPF voluntary contributions.&nbsp;(Capped at HKD 60,000 per insured person)
&nbsp;
<h2>QDAP Tips</h2>
&nbsp;
Deferred annuities (QDAP) allow you to balance your assets and save for retirement. Some products/premium term offer up to 4.2% p.a. expected internal rate of return.
&nbsp;
<h2>VHIS Tips</h2>
&nbsp;
Tax deduction for VHIS capped at HKD 8,000 per insured person, and there is no limit on the number of insured people, i.e., you can apply for the VHIS for your spouse/ children/ grandparents/ siblings and get the tax deductions.
&nbsp;
<table style="border-collapse: collapse; width: 100.302%; height: 547px; border-color: #000000; border-style: solid;" border="2">
<tbody>
<tr>
<td style="width: 17.0623%;" width="87">
Insured person
</td>
<td style="width: 19.3789%;" width="99">
Annual premium paid
</td>
<td style="width: 39.6481%;" width="204">
Tax-deductible amount&amp;
</td>
<td style="width: 22.6624%;" width="116">
Amount of Tax Saved$
</td>
</tr>
<tr>
<td style="width: 17.0623%;" width="87">
Taxpayer
</td>
<td style="width: 19.3789%;" width="99">
$5,000
</td>
<td style="width: 39.6481%;" width="204">
$5,000
</td>
<td style="width: 22.6624%;" width="116">
$750
</td>
</tr>
<tr>
<td style="width: 17.0623%;" width="87">
Spouse
</td>
<td style="width: 19.3789%;" width="99">
$6,000
</td>
<td style="width: 39.6481%;" width="204">
$6,000
</td>
<td style="width: 22.6624%;" width="116">
$900
</td>
</tr>
<tr>
<td style="width: 17.0623%;" width="87">
Daughter
</td>
<td style="width: 19.3789%;" width="99">
$2,000
</td>
<td style="width: 39.6481%;" width="204">
$2,000
</td>
<td style="width: 22.6624%;" width="116">
$300
</td>
</tr>
<tr>
<td style="width: 17.0623%;" width="87">
2nd daughter
</td>
<td style="width: 19.3789%;" width="99">
$3,000
</td>
<td style="width: 39.6481%;" width="204">
$3,000
</td>
<td style="width: 22.6624%;" width="116">
$450
</td>
</tr>
<tr>
<td style="width: 17.0623%;" width="87">
Father
</td>
<td style="width: 19.3789%;" width="99">
$8,000
</td>
<td style="width: 39.6481%;" width="204">
$8,000
</td>
<td style="width: 22.6624%;" width="116">
$1,200
</td>
</tr>
<tr>
<td style="width: 17.0623%;" width="87">
Mother
</td>
<td style="width: 19.3789%;" width="99">
$12,000
</td>
<td style="width: 39.6481%;" width="204">
$8,000
</td>
<td style="width: 22.6624%;" width="116">
$1,200
</td>
</tr>
<tr>
<td style="width: 17.0623%;" width="87">
Total
</td>
<td style="width: 19.3789%;" width="99">
HKD 36,000
</td>
<td style="width: 39.6481%;" width="204">
HKD 32,000
</td>
<td style="width: 22.6624%;" width="116">
HKD 3,600
</td>
</tr>
</tbody>
</table>
&nbsp;
&amp;Capped at HKD 8,000 per insured person
&nbsp;
$Assuming the applicable tax rate is 15%2
&nbsp;
<h2>#Tips 3: Is it good for couples to file taxes together?</h2>
&nbsp;
Assuming husband &amp; wife are required to pay tax and have purchased QDAP, they can enjoy a joint tax deduction of HKD 120,000. However, for personal assessment jointly with spouse, the tax reduction will be capped at HKD 10,0003 for the married couple.
&nbsp;
1The above tax allowances and deductions are based on the figures provided by Inland Revenue Department (IRD) for the tax year of 2021/22. For details, please refer to <a href="https://www.ird.gov.hk/chi/pdf/pam61c.pdf" target="_blank" rel="noopener">https://www.ird.gov.hk/chi/pdf/pam61c.pdf</a>
&nbsp;
2As from the year of assessment 2018/19, the standard tax rate is 15% and the marginal tax rates are 2%, 6%, 10%, 14% &amp; 17%.
&nbsp;
3The maximum amount of tax reduction is based on the figures provided by the Inland Revenue Department for the tax year of 2021/22.

Change your tax bill to $0

【ZA Bank】🚀A MAJOR UPDATE for ZA Bank App is here!😲

Starting from 26 Jul 2024, ZA Bank has increased the daily transfer limit 🆙, making it easier for you to manage your daily needs! Even when you have large expenses, you&rsquo;ll be able to handle them with ease. Keep reading to learn more about the highlights of this upgrade and transfer operation tips!
&nbsp;
① Daily transfer limit upgrade 🆙
😏How much is the increase?&nbsp;
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/63d273cd-6c69-42c7-a988-8d6e02dcfd1d/58dd9274-f085-4b47-8b52-5969a1bc604e/表格_en.png">
*This limit applies only to users who pass the internal review of ZA Bank. To view and adjust, visit the ZA Bank App: Tap the icon on the upper left corner of the ZA Bank App homepage &gt; &ldquo;FPS &amp; Transfer Settings&rdquo; &gt; &ldquo;Set Limit&rdquo;
&nbsp;
② Easy switch between transfer currencies 🔁
😎 All local transfers in HKD / CNY / USD are free of charge!
<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/63d273cd-6c69-42c7-a988-8d6e02dcfd1d/445ddabd-406b-4dde-9835-34de44856e5e/步骤_en.png">
Please note that ZA Bank does not impose charges on local transfers, but some receiving institutions or correspondent banks may impose fees based on different circumstances.
&nbsp;
&nbsp;
Download the latest version of ZA Bank App to experience the transfer feature now!

Transfer limit increased! 🆙

<div class="ipage_blog_static_html_content_container">
<div class="ipage_blog_static_html_content">
Great news! You can top up your Octopus and get a chance at PowerDraw1 😱 This means you can earn up to 200% rebate, coffee coupons2, amazing rewards, and even MillionTix3 🤑. Top up your Octopus, and you could get the chance to be a millionaire!
&nbsp;
How to get a chance at PowerDraw?
If you are using Apple Pay:
1. Add your ZA Card to Apple Pay 2. Open the Wallet app 3. Select your Octopus 4. Tap "Add Value" and choose or enter the amount to add 5. Pay with your ZA Card 6. Get a chance at PowerDraw!
&nbsp;
You'll have even more opportunities to earn rewards from your everyday spending! Add your ZA Card to Apple Pay or Samsung Pay and top up your Octopus today 🤩!
&nbsp;
&nbsp;
1. Each eligible transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance ("Chance"), and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All Chances are valid for 48 hours. Each Chance may give a rebate of up to 200% of the transaction amount or other designated rewards. Probability of each reward is not evenly distributed. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. The rebate is capped at 1,000,000 ZA Coins (or HKD 10,000) per transaction. <a style="color: #7e8c8d;" href="https://bank.za.group/agreement/html/en_US/1000025">Terms and Conditions </a>apply.
2. The merchant coupons are subject to its terms and conditions, users should refer to the relevant terms and conditions before use. Merchant coupons are provided by the merchant and are subject to its terms and conditions, including but not limited to services, products, prices, expiry date and terms of use. Please refer to relevant terms and conditions or check with the relevant merchant for details. ZA Bank will not be responsible for any unsuccessful use of the specific merchant coupons. 
3. The promotion period is from now until 30 November 2023. After participating in PowerDraw or completing the designated quests, users will have the opportunity to get a MillionTix. ZA Bank will draw one of the MillionTix after each round, and the owner of the MillionTix will receive a HKD 1,000,000 cash reward or other reward of equivalent value. <a style="color: #7e8c8d;" href="https://bank.za.group/agreement/html/en_US/1000687">Terms and Conditions</a> apply. 
</div>
</div>

【Octopus top-up】Earn up to 200% rebate 🔥

Every day is Mother's Day when you show your gratitude🌺! While you look for gifting and celebration ideas, don&rsquo;t forget to enjoy new deals with your ZA Card! 👨&zwj;👩&zwj;👧&zwj;👦
&nbsp;
Up to 11% rebate on fashion brands!
There&rsquo;s a dream bag for every woman 👜, with no exception for your mom, so get her favourite handbag at FARFETCH with ZA Card and earn up to 11% ZA Coin rebate1!
Wish to pair your gift with the trendiest fashion items? Shop with ZA Card at NET-A-PORTER, ITeShop, and Second Kill to earn up to 5% ZA Coin rebate1! 💥
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/0d98b66a-b795-4519-ac34-adec3d22d0a0/card_shop11_1.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://www.farfetch.com/hk/&quot;}">FARFETCH</a>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/57a36034-0188-43d0-b5a2-1f9ee94534d4/card_shop11_2.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://www.net-a-porter.com/en-hk/&quot;}">NET-A-PORTER</a>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/0f10539e-b02d-48a3-99ef-8de1144aa990/card_shop11_3.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://hk.iteshop.com/s_it/men/&quot;}">ITeShop</a>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/4c10bcb1-e2f6-4632-88f7-2ccbe981f26f/card_shop11_4.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://secondkill.com.hk/&quot;}">Second Kill</a>
&nbsp;
Up to 11% rebate on beauty and wellness!
Treat your mom to a spa or get her beauty products! With ZA Card, you can enjoy up to 11% ZA Coin rebate at designated merchants1! 💆&zwj;♀️
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/5565f050-8d78-488d-b55f-f287e33e7f30/card_coffeeB1G1_4.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://www.mtmlabo.com/&quot;}">mtm labo</a>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/305e65e2-fc29-469d-8955-ecee8569514f/card_coffeeB1G1_3.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://www.sasa.com/&quot;}">sasa.com</a>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/d38704e0-5877-4f92-93a4-13a5f67ea60e/card_coffeeB1G1_1.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://www.soocohk.com/&quot;}">SOOCO</a>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/1204af64-6587-4a9e-a7ca-732b7368f5e1/card_coffeeB1G1_2.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://kirrconcept.com/&quot;}">KIRR Concept</a>
&nbsp;
Up to 11% rebate on dining!
A celebration dinner is a must to show your love to your mom🍽! Get up to 11% rebate when spending with ZA Card at designated restaurants in Hong Kong2, so book your table now! 🍛🥩🍝🧁
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/b0363102-44fe-43b7-8639-609962ba7a60/card_dine11_1-1.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://www.instagram.com/stone.one.bar.restaurant/&quot;}">StoneOne Restaurant and Bar</a>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/35106929-e680-4378-ba79-56835b3b0ed4/card_dine11_2-1.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://www.instagram.com/indepth.hk/&quot;}">In-Depth</a>
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/b94b9f2a-ce3b-453f-bd66-f5b9c94ebe20/cd15784c-aa67-424e-afa4-76b8e1adab0a/card_dine11_3-1.png" alt="" width="400" height="225" />
<a class="jumpConfirm" href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://www.instagram.com/thecakeryhk/&quot;}">The Cakery</a>
&nbsp;
Not only does ZA Card rewards its users with amazing offers, it&rsquo;s also a debit card with no annual fees nor interest, and you can pay with just a contactless wave. What&rsquo;s more? Don&rsquo;t forget to activate your auto top-up for a seamless spending experience! 😉
&nbsp;
1. The promotion period is from now until 31 July, you can enjoy up to 5% or 11% ZA Coin rebate by spending at designated merchants with ZA Card. For the eligible transaction, participant can earn 5 ZA Coin (equal to HKD 0.05) or 11 ZA Coin (equal to HKD 0.11) for every HKD 1 spent. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. <a href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://bank.za.group/agreement/pdf/en_US/1000632&quot;}">Terms and conditions</a> apply.
2. The promotion period is from now until 31 July, you can enjoy up to 11% ZA Coin rebate by spending at designated merchants with ZA Card. For the eligible transaction, participant can earn 11 ZA Coin (equal to HKD 0.11) for every HKD 1 spent. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. <a href="anan://jump?module=Base&amp;type=WebViewScreen&amp;needLogin=false&amp;content={&quot;title&quot;:&quot;&quot;,&quot;url&quot;:&quot;https://bank.za.group/agreement/pdf/en_US/1000581&quot;}">Terms and conditions</a> apply.