It&rsquo;s unfortunate that there are so many fraudsters around nowadays! They can use WhatsApp to steal personal accounts, conduct fake recruitment, commit online shopping fraud and more! You really need to be more careful!
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<h2>🔒 Common WhatsApp fraud methods:</h2>
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1. Borrowing money from friends and relatives
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Fraudsters can pretend to be your friends and relatives. They will say that they have updated their numbers and are in a hurry to borrow your money! If you receive messages of this kind, you must call to confirm the identity of the other party, and do not transfer any of your money directly.
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2. Stealing WhatsApp accounts
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Fraudsters can use phishing SMS messages or fake official notifications to ask victims to enter WhatsApp verification codes to steal their accounts!
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3. Fake customer service
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Fraudsters can pretend to be members of WhatsApp&rsquo;s official customer service team and send users messages indicating "account abnormalities" or that a user&rsquo;s "identity verification is required". This is to trick users into providing verification codes or login information. Remember, do not send verification codes to anyone!
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4. Fake recruitment for high-paying, part-time jobs
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Fraudsters can contact victims on WhatsApp, claiming to provide high-paying, part-time jobs that are, for example, easy and simple but also highly recommended. However, these jobs will require a "deposit" or "handling fee" to be paid first. 
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Remember, real companies will not ask you to do this! If you encounter a recruitment message that requires payment, just ignore it.
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5. Online shopping fraud
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Fraudsters can claim to sell brand-name handbags and electronic products at low prices, but you may not receive the goods after payment. That&rsquo;s why you should be careful about goods with prices that are almost too amazing to be true! Also, don't click or tap on suspicious or unfamiliar links!
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6. Impersonating banks or government agencies (such as the Immigration Department, the Police Force, etc.)
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Fraudsters can notify a person that his or her bank account or identity documents are involved in a case, and further ask the victim to provide personal information or transfer a "deposit" to defraud them! Remember, do not share personal information with anyone!
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<h2>Here are four ways to help protect your finances:</h2>
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✔️ Enable WhatsApp two-factor authentication (&ldquo;2FA&rdquo;): Set a 6-digit password to protect your account from being stolen.
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✔️ Verify the identity of relatives and friends: If you receive a message from relatives and friends asking for money or help, you should call to confirm the identity of the other party instead of replying to the WhatsApp message directly.
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✔️ Do not tap or click on unfamiliar links: Fraudsters will send&nbsp;out phishing websites and ask for personal information, so be careful!
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✔️ The government and banks will not contact you via WhatsApp: If you receive similar messages, call the official phone number directly to enquire. If you have any doubts, call the "Anti-Scam Helpline 18222" hotline! 
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💪 We have always greatly valued the security of our users' assets. We hope that you, your family, and your friends will always stay vigilant and jointly resist the threat of fraud. Don't give fraudsters any opportunity to do harm!

SCAM ALERT: 🚨 Don’t open any “phishy” links!

【ZA Bank】SCAM ALERT: 🚨 Don’t open any “phishy” links!

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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!
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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!
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<h2>Check Your Transfer Status</h2>
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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.
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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.
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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!
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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:
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<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>
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<h2>Check and Change Your Default Receiving Account in ZA Bank App</h2>
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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.
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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:
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<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" />
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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;
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<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" />
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Select &ldquo;My FPS&rdquo; and you can check whether your mobile no., email address, FPS ID, or HKID is registered with FPS
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<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" />
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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 
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<h2>Two Tips to Make Your FPS Transfers More Convenient!</h2>
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💡 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.
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💡 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.
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<h2>Want to Experience the Brand-New and Convenient Way of Transferring Money? Open an Account with ZA Bank Now!</h2>
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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.
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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.
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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;
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<a style="background-color: #169179; color: #ffffff;" href="https://bank.za.group/en/account-open">Sign Up Now</a>
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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

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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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<hr>
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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!

Security tips🛡️: Travelling with ZA Card 💳

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

Building an innovative and customised banking experience for users has always been our goal. Even for something as simple as a transfer, we strive to get it done more conveniently and seamlessly. That&rsquo;s why we rolled out &lsquo;Easy Deposit&rsquo;, our electronic Direct Debit Authorisation (&lsquo;eDDA&rsquo;) service built on the infrastructure of Faster Payment System, when we launched our business in March last year, so you can easily add money without the need for switching between banking apps. More, you can link another bank account in as quick as 30 seconds, then add money to ZA Bank in as fast as 15 seconds. This function has earned our users&rsquo; recognition and support, with over 30% of transfers made via &lsquo;Easy Deposit&rsquo; currently.
User experience has always been our drive to keep moving forward and upward. We&rsquo;re happy to bear the associated costs so you can continue to enjoy the best transfer experience. Taking users&rsquo; habits and experience as well as our operating costs into account, we&rsquo;ll make the following changes to &lsquo;Easy Deposit&rsquo;:
&middot; &nbsp; &nbsp; &nbsp; Service will remain unchanged for the following banks. You can continue to add money from them for free, with a single transaction limit of HKD 1,000,000.
- STANDARD CHARTERED BANK (HONG KONG) LIMITED - CMB Wing Lung Bank Limited - DBS Bank (Hong Kong) Ltd. - Nanyang Commercial Bank, Limited -Bank of Communications (Hong Kong) Ltd. -Chiyu Banking Corporation Limited -Chong Hing Bank Limited
&middot; &nbsp; &nbsp; &nbsp; Starting from 1 March 2021, when you add money from The Hongkong and Shanghai Banking Corporation Limited, Hang Seng Bank Ltd and Bank of China (Hong Kong) Limited via &lsquo;Easy Deposit&rsquo;, the single transaction limit will be set at HKD 10,000.

<table>
<tbody>
<tr>
<td>Transaction amount of HKD10,000 or below</td>
<td>Free of charge</td>
</tr>
<tr>
<td>Other transaction amounts</td>
<td>Make multiple transfers via &lsquo;Easy Deposit&rsquo; or, Use the instant and free transfer function through Faster Payment System (FPS)</td>
</tr>
</tbody>
</table>

&middot; &nbsp; &nbsp; &nbsp; Starting from 1 March 2021, we&rsquo;ll remove the following banks from &lsquo;Easy Deposit&rsquo;. No worries, you can still add money from these banks via FPS. Remember that such change also applies to users who have previously linked their accounts with these banks via &lsquo;Easy Deposit&rsquo;.
- Dah Sing Bank, Limited - CHINA CITIC BANK INTERNATIONAL LIMITED - The Bank of East Asia, Limited - China Construction Bank (Asia) Corporation Limited - INDUSTRIAL AND COMMERCIAL BANK OF CHINA (ASIA) LIMITED - Shanghai Commercial Bank Limited
If you have any questions about our service update, please call our 24/7 customer service hotline on 3665 3665, or log in to the ZA Bank App to contact us. Thank you for your support!
ZA Bank