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 📱

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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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/74e2db60-f7a7-4964-a749-46c4c23b2df8/a56ece47-0a89-498b-9855-1ea6139915fb/en - 步骤.png" alt="">
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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 😍

"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.
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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!
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"What, more than six million dollars? Isn't it supposed to be four million?" You ask out loud in distress.
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"The four-million dollar cost was from an advertisement in 2006," your husband replies, before turning back to watch the television.
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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.
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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;
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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.
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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?

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) 
<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="" />
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<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="" />
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<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="" />
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<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="" />
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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.

2023 Investment Market Outlook and Opportunities  

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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!
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Below are key features that can help you protect your ZA Card:
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<h2 class="last-child" style="text-align: center;">✔ Adjust your spending and ATM withdrawal limits</h2>
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<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">
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Going to someplace beautiful, exotic but a bit more adventurous? ⛱️Worried about having your ZA Card information swiped?
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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.
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<h2 class="last-child" style="text-align: center;">✔ Lock your card instantly</h2>
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<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">
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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!
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<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">
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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! 👌
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<h2 class="last-child" style="text-align: center;">✔ Mobile wallet binding and spending notifications</h2>
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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!
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Before you jet off in a plane, go to the ZA Bank App and customise your level of protection now! 🏃
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BONUS TIP: How do I identify SMS messages sent by ZA Bank?
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It's easy! Just look out for the SMS Sender IDs - #ZABank, #ZA Bank, or #ZA_Bank!