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:

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<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>

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&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

<div class="OutlineElement Ltr SCXW84842329 BCX0">
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;
&nbsp;
</div>
<div class="OutlineElement Ltr SCXW84842329 BCX0">
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;💡
</div>
&nbsp;
<h2 class="MsoNormal" style="text-align: center;">📱 Convenience at your fingertips</h2>
&nbsp;
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!
&nbsp;
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.
&nbsp;
<h2 class="MsoNormal" style="text-align: center;">💰 Save more, spend less</h2>
&nbsp;
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>.
&nbsp;
<h2 class="MsoNormal" style="text-align: center;">🤖 Cutting-edge tech</h2>
&nbsp;
<ul>
<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>
</ul>
&nbsp;
<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>
</ul>
&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? 🤔

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 📱

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).