BOO! 👻 This month is all about excitement! Read on to see what we did to spice up this spooky season!
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<hr />
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October round-up 
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Here are the events you missed while you were busy visiting haunted houses! 🕷️🕸️
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📚 Overseas education sharing 
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Planning for overseas study is difficult as carving a pumpkin! 🎃 So, we have invited Shirley, Country Program Manager at EF Education First, to share some tips and answer some questions from parents on the spot. We have covered everything you need to know about studying abroad, from picking which destination to budgeting.
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Learn more 👉 <a style="color: #32cb9d;" href="https://blog.za.group/en/article/study_abroad">ZA-exclusive event: Tips for studying abroad</a>
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📱 User interview on our investment services
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Haunted houses are creepy, but the thought of upsetting you scares our socks off. 🧦 That's why we chatted with some of you about our newest service - investment, to make sure we are working on what you need (so you will not ghost us!) And seems we got some great feedback on our future development on product and the UX/UI, for new updates or events! 👀
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New app features and offers
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We got no tricks but some treats for your candy bucket! 🍬
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🆙 PowerDraw items 
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Here comes the real game-changer! 😎 You can now choose 1% Guarantor or Eliminator to secure a guaranteed reward from PowerDraw. <a href="https://bit.ly/3TWolX6" target="_blank" rel="noopener">Terms and Conditions</a> apply.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a05c0065-16fa-4712-b00d-98d4b2d5fdce/6aa181d2-eecd-49a3-a439-68ce0edac0f0/MicrosoftTeams-image (241).png" alt="" />
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☕ Coffee Pass
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Drinking coffee is the best way to clear your mind after a sleepless horror movie night. 🧟 Get yours from Starbucks, %Arabica, and with ZA Coin at a discounted price now! <a href="https://bit.ly/3DdISQ8" target="_blank" rel="noopener">Terms and Conditions</a> apply.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/a05c0065-16fa-4712-b00d-98d4b2d5fdce/7eb14369-41bc-496c-9e0c-0cc2a2abc7c0/MicrosoftTeams-image (238).png" alt="" width="1920" height="2507" />
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<hr />
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Upcoming events
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What's next after Halloween? 🚗
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💬 Fintech week 
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Devon, our Alternate Chief Executive &amp; Co-Head of Retail Banking, will speak in the panel about the competitive edges of collaborating with FinTech on day 2. Don&rsquo;t miss if you are there!
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When: 1 Nov, 15:00 &ndash; 15:40
Where: Hong Kong Stage, Fintech Week, HKCEC
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Learn more 👉 <a style="color: #32cb9d;" href="https://www.fintechweek.hk/agenda-2022">Hong Kong FinTech Week | 31 Oct - 4 Nov 2022 | Agenda</a>
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📈 2023 investment outlook 
&nbsp;
We will have a user-exclusive deep dive session with Invesco, a market-leading investment management firm. Don't forget to sign up and explore the market trend for next year.
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When: 5 Nov, 15:00 - 16:00
Where: Suite 3402 - 07, 34/F, Tower 2, The Gateway, Tsim Sha Tsui
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Sign up here 👉 <a class="fui-Link ___m14voj0 f3rmtva f1ern45e f1deefiw f1n71otn f1q5o8ev f1h8hb77 f1vxd6vx f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f9n3di6 f1ids18y fygtlnl f1deo86v f12x56k7 f1iescvh ftqa4ok f50u1b5 fs3pq8b f1hghxdh f1tymzes f1x7u7e9 f1cmlufx f10aw75t fsle3fq" style="color: #32cb9d;" tabindex="-1" title="https://bit.ly/3U56bSZ" href="https://www.eventbrite.hk/e/2023-tickets-440222065047" target="_blank" rel="noopener" aria-label="Link https://bit.ly/3U56bSZ">Sharing: 2023 Investment Outlook Tickets | 5-Nov 2022 | Eventbrite</a>
You are now leaving our website and entering a third-party site.
All the information you provide will be subject to confidentiality and security terms of the applicable third-party site after accessing through this hyperlink.
ZA Bank&nbsp;Limited is not responsible for the content of such third-party site or any consequences in connection with your use of this hyperlink. &nbsp;&nbsp;&nbsp;
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⚽ World football season
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Something fun is on its way! Stay tuned!
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That's a wrap for this month. Have a spook-tacular, boo-tiful, wooo-nderful, and fang-tastic Halloween! 🦇💀
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In case you missed it: Here’s what happened in October

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

Guess what? Christmas has come early for ZA Bank! 🎅 Fortune has recognised us as one of Asia's Top 15 Digital Banks via their highly competitive Fintech Innovators Asia 2024 list! 🎉 This wonderful milestone demonstrates the innovation and awesomeness of our award-winning ZA Bank App! 🙌
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c11472cd-f7a5-4530-8729-e15f6b30a808/684a1746-5e2b-4fd6-b14b-8b9916a7e31f/Inbox - EN (1).png" alt="" width="886" height="500">
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To celebrate the good news, this time we&rsquo;d like to highlight some ZA Bank App features that would be perfect for this Christmas season! 🎄 Before you start your Christmas shopping, tuck into a Christmas dinner or spend time in a wintery wonderland, be sure to get ready first and plan ahead! 📋
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<h2 class="last-child" style="text-align: center;">🎁 Set spending limits for your Christmas gift shopping!</h2>
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c11472cd-f7a5-4530-8729-e15f6b30a808/6b0a44ea-7d7b-444e-844b-315b3da7cd65/S英.gif" alt="" width="647" height="750">
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You may have bought a ton of presents for your family and friends, but oh no! &nbsp;It&rsquo;s a Christmas nightmare because your ZA Bank account is now empty! 😧To prevent something like this from happening beforehand, read the instructions below now! &nbsp;
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1. From the ZA Bank App homepage, tap on Account &gt; ZA Card.
2. Tap the Manage Transaction button.
3. Tweak your ZA Card spending limits! Remember to not get carried away with shopping, whether you&rsquo;re shopping in person or online!
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🤔&nbsp;Did you know&hellip;？
You can also set monthly or daily limits, as well as monthly cardless spending limits!
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<h2 class="last-child" style="text-align: center;">🕵️&zwj;♂️ Review your spending habits and plan ahead of time!</h2>
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c11472cd-f7a5-4530-8729-e15f6b30a808/bd355b9f-d39f-4e18-ad30-a1d32bf312b0/M英.gif" alt="" width="647" height="750">
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We know Christmas dinners, shopping, and decorating can be some of the more joyful or stressful aspects of the winter season. ❄️ That&rsquo;s why another way to prevent an empty ZA Bank account is to plan and budget ahead of time. You can review your monthly spending habits in the ZA Bank App to get a clearer financial picture! 🔎
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1. From the ZA Bank App homepage, tap on Account &gt; ZA Card.
2. Tap on &ldquo;Current month&rsquo;s spending&rdquo;.
3. Review your monthly spending and expenses in detail, so you can plan for your Christmas budget ahead of time!
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🤔&nbsp;Did you know&hellip;？
The ZA Bank App also provides detailed spending categories to help you become a pro at spending management!
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<h2 class="last-child" style="text-align: center;">🛍️ Give yourself a hassle-free overseas Christmas shopping experience!</h2>
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c11472cd-f7a5-4530-8729-e15f6b30a808/6aa0c42b-c48a-4340-9961-d19c20b2ccc1/T英.gif" alt="" width="647" height="750">
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You&rsquo;ve chosen a perfect gift for yourself at a lovable, cosy store overseas, but your ZA Card keeps getting declined! ⛔ To experience a smoother experience for spending overseas instead, follow the steps below: &nbsp;
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1. From the ZA Bank App homepage, tap on Account &gt; ZA Card &gt; Travel.
2. Tap on the Travel button.
3. Select the options for ATM Withdrawal and Card Spending.
4. Input the country(ies)/region(s) you will be travelling to, and your travel period. Now you&rsquo;re ready to use your ZA Card abroad!&nbsp;
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🤔 Did you know&hellip;？
If you prefer using cash, that&rsquo;s okay too! Our Travel function can help you withdraw cash at nearly 3 million Visa ATM machines around the world!
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We wish you and your loved ones a very merry Christmas and a delightful holiday season. 💝 Once again, be sure to check out our next email for more useful features and tips!
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Remember to also follow us at Instagram@Zappy_Alfie &nbsp;and Facebook@ZABank! We&rsquo;ll be sharing a lot of exclusive offers, tips, and exciting rewards, so don&rsquo;t miss out!

App features for the holiday season! 🎄

【ZA Bank】App features for the holiday season! 🎄

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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<hr />
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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! 👋

From 4 Apr onwards, we have another way to use ZA Coin that you earned from ZA Card! 💰 We&rsquo;re excited to announce the opening of ZA Mall, our new platform where you can redeem everyday goods with your ZA Coin. 
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⚡ ZA Mall&rsquo;s first flash deal: ZA anti-epidemic kit for only 500 ZA Coin (equivalent to HKD 5)1! There is a daily quota of 100 packs on a first come, first served basis. And it&rsquo;ll refresh at 3pm from 4 Apr to 11 Apr. Make sure you have the alarm clock set!
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<h3>⏰ ZA Anti-epidemic Kit 💰 500&nbsp;ZA Coin (equiv. HKD 5) </h3>
<div>&nbsp;</div>
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/004cfa68-cef4-4621-8ccc-f75f9d148705/61e044b3-32e8-4dd6-97f7-731722edb255/Frame 1000003369 (11).png" />
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<ul>
<li>GreenSpring Rapid Antigen Test Kit (5 pcs)</li>
<li>ZA x&nbsp;Maskology mask (4&nbsp;pcs)</li>
<li>Mask cover (1&nbsp;pc)</li>
</ul>
<div>Daily quota: 100, first come, first served. For ZA Coin redemption only. </div>
<a href="https://mall.za.group/en" target="_blank" rel="noopener">Go to ZA Mall</a>
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<h2>🛡️ GreenSpring RAT (10 packs) 💰 9,000 ZA Coin (equiv. HKD 90) <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/004cfa68-cef4-4621-8ccc-f75f9d148705/15f3224c-f8a6-428e-9fdb-43a5d4daa2ce/Frame 1000003369 (9).png" /></h2>
For ZA Coin redemption only
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<a href="https://mall.za.group/en" target="_blank" rel="noopener">Go to ZA Mall</a>
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<h3>🛡️ ZA Anti-epidemic Kit Lite 💰 HKD 45</h3>
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/004cfa68-cef4-4621-8ccc-f75f9d148705/88a5ee9d-9e08-4199-ab6e-4c2c077ce77d/Frame 1000003369 (10).png" /> 
<ul>
<li>ZA x&nbsp;Maskology mask (20&nbsp;pcs)</li>
<li>Mask cover (1 pc) </li>
</ul>
<div>Daily quota: 100, first come, first served. For ZA Coin redemption only. <a href="https://mall.za.group/en" target="_blank" rel="noopener">Go to ZA Mall</a></div>
 Not enough ZA Coin? Spend with ZA Card and get a chance to win up to 324% rebate2&nbsp;&ndash; stock up your ZA Coin now! 
<hr />
1. <a style="color: #7e8c8d;" href="https://cdn.za.group/if/za-group-portal-web/assets/files/ZACoin_TC_Eng.pdf" target="_blank" rel="noopener">Term and conditions</a>&nbsp;apply. Redemption Services and merchandises are operated by ZA International Financial Services Limited. The company will use its best endeavour to collect the necessary and accurate information from merchants for facilitation of the redemption and usage of the merchandise and gift voucher. However the company makes no warranty that the information is correct and accepts no liability for failure or delay in the delivery of gift vouchers and merchandises.
2. From now till 20 Apr, each eligible transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance ("Chance"), and will not be entitled to other ZA Card rebate offers. All Chances are valid for 48 hours. Each Chance may give a rebate up to 324% of the transaction amount or other designated rewards. Probability of each reward is not evenly distributed. Rebate is in a form of ZA Coin. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. The rebate is capped at 1,000,000 ZA Coin (or HKD 10,000) per transaction.&nbsp;<a style="color: #7e8c8d;" href="https://bank.za.group/agreement/html/en_US/1000025" target="_blank" rel="noopener">Terms and conditions</a>&nbsp;apply.