This Christmas, travelling abroad seems a bit hard. Staying at home to enjoy 🍿 movies, 🎶 music, 🎮 gaming can also be AWESOME!
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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!
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We wish you a lovely Christmas, with lovely rebates on Apple Services! 🤩
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Add your ZA Card to Wallet App to spend safely and easily.
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<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" />
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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
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*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

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!
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<hr />
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Nov - Dec round-ups
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We have loads going on in these months, but if we have to pick, here are our favourites! 💚
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⚽ Millions Trophy
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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!
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<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" />
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<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="" />
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<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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💬 ZA Business Talks: Retail F&amp;B SMEs
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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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New services
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There are few new cool services that we couldn&rsquo;t wait until 2023 to share. 💨
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🌎 ZA Remit
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Together with Wise, we are bringing you a faster, cheaper, and safer way for international money transfers with 14 currencies.
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Learn more 👉 <a style="color: #32cb9d;" href="https://bank.za.group/en/ZARemit">https://bank.za.group/en/ZARemit</a>
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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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💱 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.
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Learn more 👉 <a style="color: #32cb9d;" href="https://bank.za.group/en/foreignexchange">https://bank.za.group/en/foreignexchange</a>
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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="" />
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💼 ZA Dash
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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.
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Learn more 👉 <a style="color: #32cb9d;" href="http://bank.za.group/en/business">bank.za.group/en/business</a>&nbsp;
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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 />
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What&rsquo;s in 2023?
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Get prepared for the new year! 🥰
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💰 Millionaire PowerDraw
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Millionaire PowerDraw will return in 2023! Continue to support if you want to be the next millionaire!
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Check out all 2022 winners here 👉 <a style="color: #32cb9d;" href="https://youtu.be/ty7Wq2hNzXE" target="_blank" rel="noopener">https://youtu.be/ty7Wq2hNzXE</a>
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☕ Coffee Pass
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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!
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<a href="https://cdn.za.group/if/za-group-portal-web/assets/files/ZACoin_TC_Eng.pdf">Terms and Conditions</a> apply.
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🧧 Chinese New Year celebrations
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Stay tuned for something fun in the Year of Rabbit! 🐰
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🎡 ZA Carnival
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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!
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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>
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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! 👋

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!
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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
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<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" />
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Wish to look young and radiant? Get special discounts on the sets below at Origins and earn 11% rebate!
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- 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
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<h2>Single&rsquo;s Day Offers | 4. Clinique</h2>
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<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" />
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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!
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- Receive 20% off upon purchase of Clinique Holiday sets: Moisture Surge Set + Cheek Pop Palette
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- Upon HKD 500 spending, you may redeem Clinique Advent Calendar at HKD 395 (worth HKD 2,462)
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Offer period: Now till 30 Nov
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<h2>Single&rsquo;s Day Offers | 5. TONYMOLY&nbsp;</h2>
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<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" />
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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!
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- Prestige Jeju Snail Essence Special Set (Valued at HKD 1,356, special offer HKD 328)
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- Super Intense Gold 24K Ginseng Snail Cream &amp; Mask Set (Valued at HKD 612, special offer HKD 258)
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- GIMIYA Whitening Cream Set (Valued at HKD 1,198, special offer HKD 428)
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Offer valid while stocks last.
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<h2>Single&rsquo;s Day Offers | 6. Zoff</h2>
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<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="" />
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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!
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Offer period: Now till 31 Dec
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<a href="https://bank.za.group/agreement/html/en_US/1000632" target="_blank" rel="noopener">Terms and conditions</a> apply.
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<hr />
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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.
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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.
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Time-limited! Ready for ‘Single’s Day’ shopping craze?

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="" />
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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" />
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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="" />
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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="" />
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Can't-Miss Features of ZA Bank

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.