At ZA Bank, innovation drives everything we do. We&rsquo;re committed to providing smarter, faster, and more flexible one-stop financial services for our users. From saving and spending to investing and global transfer, 2024 has been a year of incredible milestones1. Here are the standout highlights (in no particular order) that demonstrate the achievements of ZA Bank and our users:
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c4a2feea-9875-4df0-a6be-80b7692b2b3a/ee5f2429-50f2-4a7c-97e9-5da07a0e11de/Wrap-EN-3.png" alt="" width="653" height="653">
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c4a2feea-9875-4df0-a6be-80b7692b2b3a/e9444aa7-36bd-4988-8646-ead08d916f60/Wrap-4.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/c4a2feea-9875-4df0-a6be-80b7692b2b3a/881b96f6-fc0f-4c98-8ea5-ce9147d33908/Wrap-EN-7-updated (1).png" alt="" width="653" height="653">
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c4a2feea-9875-4df0-a6be-80b7692b2b3a/1324d724-0855-4ca1-885c-1898e0b01c8e/Wrap-EN-8.png" alt="" width="1272" height="1272">
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Together with our users, ZA Bank reached incredible new heights in 2024. And we&rsquo;re just getting started! As we look ahead to 2025, even more exciting possibilities are on the horizon. Stay tuned&mdash;you won&rsquo;t want to miss what&rsquo;s next! 🔥
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1. Unless otherwise specified, the data has been calculated for the period from January to November 2024.

ZA Bank’s Year in Review 🎉

【ZA Bank】ZA Bank’s Year in Review 🎉

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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!
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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!
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<h2 style="text-align: center;">🎫 Check out your coupons! 🎫</h2>
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Want to view the coupons that you earned through ZA Quest, or somebody else gifted to you?
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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;
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<h2 style="text-align: center;">🎁 Check out the various types of offers available! 🎁</h2>
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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!
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<h2 style="text-align: center;">📰 Check out the &ldquo;Discover&nbsp;More&rdquo; section for more offer details! 📰</h2>
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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!
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<h2 style="text-align: center;">📧 Check out the Inbox section! 📧</h2>
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Worried about missing out on our latest offers? No worries!
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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!
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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;😎🌊
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🛍️ Your summer guide: Buy well and buy more!

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

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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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

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.
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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.
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The Fed may have a slower pace of rate increases, which may eventually peak in 2023.
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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.
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<h2>Money Market Funds and China &amp; Hong Kong Stock markets outlook</h2>
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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.
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China's domestic policy shift is expected to drive continued recovery in 2023.
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More fantastic events are coming soon. Stay tuned for our updates!
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Source: Allianz Investment and Taikang Asset (Hong Kong) 
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Important risk statement
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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】2023 Investment Market Outlook and Opportunities  

We heard you and now, we&rsquo;re excited to tell you that the first-ever Visa card in Hong Kong with personalised number , ZA Card, is coming soon. To thank you as one of our 180,000+ users, from now until 12 Oct 2020, you can reserve the ZA Card number before its official launch.
What does &lsquo;personalised number&rsquo; mean? ZA Card allows you to choose the last 6 digits of your debit card number, making your own card number for real. More, ZA Card gives you:
&middot; &nbsp; &nbsp; &nbsp; Smart budgeting: ZA Card is a debit card where you can spend wisely and pay from your savings. No more worries about bills, interests or late fees.
&middot; &nbsp; &nbsp; &nbsp; Rewarding spending experience: We&rsquo;ll team up with some of your favorite merchants that revolve around you. Make the most of your spending with virtual bank!
&middot; &nbsp; &nbsp; &nbsp; A new level of security: First-of-its-kind in Hong Kong, &lsquo;ZA Verify&rsquo; allows you to authenticate online transactions with one simple tap in the ZA Bank App.
&middot; &nbsp; &nbsp; &nbsp; Less is more: brand new virtual banking experience, you won&rsquo;t find the CVV and expiry date on your physical ZA Card (debit card), and not even a signature panel. And if you&rsquo;ve lost your card, you can use the in-app &ldquo;Lock Card&rdquo; function to minimise the risk of data leakage.
&middot; &nbsp; &nbsp; &nbsp; Cash withdrawal: Supported by Visa, you can enjoy free cash withdrawal from over 3,000 banks&rsquo; ATMs in Hong Kong, and access to almost 3 million ATMs worldwide.
We&rsquo;ll launch the virtual and physical ZA Card in phases, with details to be announced in due course. Stay tuned to our <a href="https://www.facebook.com/za//grp">Facebook</a> page for the coming exciting updates!
<a href="https://cdn.za.group/bank/app/info/en/static/1008038.html">Terms and conditions</a> apply.