Gained some weight while working from home? 😥 Don't worry! Let&rsquo;s workout from home with us! 🏃&zwj;♂️&nbsp; &nbsp; Starting from 14 Mar, we will invite professional instructors from PURE Fitness and PURE Yoga to guide you through a 30-minute simple workout on ZA's official IG (@zappy_alfie) every day! Follow along to shed weight and stress! 😉
&nbsp;
Schedule
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/549e5198-43b6-4363-937d-1f7764542ad3/350d8dda-33ee-4cf5-9d13-660bd970369c/PURE x ZA Bank schedule 1.png" alt="" width="1200" height="571" />
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/549e5198-43b6-4363-937d-1f7764542ad3/19cdb639-3fa6-4659-ae81-a6db830dd366/PURE x ZA Bank schedule 2.png" alt="" width="1200" height="571" />
&nbsp;
We have more gifts for you! ZA Bank presents you the exclusive offer with PURE Fitness and PURE Yoga so you can back to work out vibe after gym room reopens! 🏃&zwj;♂️&nbsp;
&nbsp;
🎁 Open account to get HKD 250*&nbsp;
Open ZA Bank account with invitation code "PUREZA" and spend with ZA Card within 14 days after successful account opening, you can get HKD 250 cash reward!&nbsp;
&nbsp;
🎁 ZA Card exclusive rewards^ 
ZA Bank customers exclusively enjoy the below offers with ZA Card before 30 April:
👉 Complimentary trial of PURECAST online fitness and yoga classes
- Waiver of joining fee
- Join 6-month contract &rarr; Get one bonus month&nbsp;
- Join 12-month contract &rarr; Get one bonus month PLUS 1-month complimentary upgrade to next tier package type&nbsp;&nbsp;&nbsp;
- Join 24-month contract &rarr; Get one bonus month PLUS 2-month complimentary upgrade to next tier package type&nbsp;
👉 Join All-Hong Kong Fitness &amp; Yoga contract:
- 6-month contract &rarr; Get one bonus month PLUS 1-month complimentary upgrade to All-Asia&nbsp;
- 12-month contract &rarr; Get one bonus month PLUS 3-month complimentary upgrade to All-Asia&nbsp;
- 24-month contract &rarr; Get one bonus month PLUS 6-month complimentary upgrade to All-Asia&nbsp;
&nbsp;
&nbsp;&lt;<a style="background-color: #fbeeb8;" href="https://form.pure-international.com/form.php?code=JP_ZABANK" target="_blank" rel="noopener">Act now</a>&gt;&nbsp;
You are now leaving our website and entering a third-party site.&nbsp;
All the information you provide will be subject to confidentiality and security terms of the applicable third-party site after accessing through this hyperlink.&nbsp;&nbsp;
ZA Bank Limited is not responsible or liable for the information you provide at such third-party sites.&nbsp;
&nbsp;
&nbsp;
*Customer must have never opened ZA Bank account. To receive HKD 250 cash rewards, customer must successfully open an account with the invitation code &ldquo;PUREZA&rdquo; from March 14, 2022 to April 30, 2022, and complete a transaction with ZA Card within 14 days after successful account opening. Terms and conditions apply: https://bank.za.group/agreement/html/zh_HK/1000501.&nbsp;
^ Offers are provided by PURE. Complimentary trial of PURECAST is available to PURE visitors who are Hong Kong residents and 18 years old or above. Joining offer is only applicable to guests who successfully sign a 6-month or above PURE contract within the promotion period. Terms and conditions apply, please refer to PURE official website for details: https://form.pure-international.com/form.php?code=JP_ZABANK.

#StaySafe 2.0:  PURE X ZA Bank Exclusive Offer 

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

It looks like the weather&rsquo;s turning hotter and hotter, which can only mean one thing &ndash; it&rsquo;s time to start planning for your summer holidays! ☀️
&nbsp;
That&rsquo;s why this monthly deep dive will be covering features around ZA Card and spending! Make sure to read them all, so you can protect your money and your holiday in advance! 😉
&nbsp;
💳 Using your ZA Card abroad 💳
&nbsp;
Planning to use ZA Card for your shopping spree, or to withdraw cash from an ATM in a different country? Before you can do so, you must first complete the following steps below:
&nbsp;
💡 Step 1: From the ZA Bank App homepage, tap on Account, ZA Card, and then the Travel icon.
💡 Step 2: Tap on the Overseas Travel button on the right.
💡 Step 3: You can now select the options for ATM Withdrawal and Card Spending.
💡 Step 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; &nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f460d2c-d784-400e-aca8-8222dd9d1e45/7d755202-33b6-46f8-b4e1-8ccc6650ad2f/ZA Card EN.gif" alt="ZA Card" width="646" height="750" />
&nbsp;
🔒 Lock your ZA Card 🔒
&nbsp;
You check your wallet, but your cash and your ZA Card have gone missing! Thankfully, you still have your phone with you, so what are you going to do now?
&nbsp;
💡 Step 1: From the ZA Bank App homepage, tap on Account, ZA Card, and then the Lock card icon.
💡 Step 2: A message will pop up &ndash; please tap Confirm to lock your ZA Card.
&nbsp;
That&rsquo;s it! No one else will be able to use your ZA Card &ndash; your money is safe with ZA Bank!
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f460d2c-d784-400e-aca8-8222dd9d1e45/c54568a1-3d9a-4eb4-aac8-eeae3a2dfd31/Lock Card EN.gif" alt="Lock your ZA Card" width="646" height="750" />
&nbsp;
🔎 ZA Verify 🔎
&nbsp;
ZA Bank is always on the lookout to protect your payments. But when you&rsquo;re overseas, a few transactions may be blocked as a security measure! So how do you verify them?
&nbsp;
💡 Step 1: To verify a transaction, go to the ZA Bank App homepage, tap on Account, ZA Card, and then the ZA Verify icon.
💡 Step 2: You can view your recent transactions under the following status columns: All, Pending, and Completed.
💡 Step 3: Tap on a transaction and select Approve or Decline. Remember to approve within 3 hours after rejection to spend again at the same merchant.
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f460d2c-d784-400e-aca8-8222dd9d1e45/4296d98c-ec46-45c4-958c-36d127109268/ZA Verfiy EN.gif" alt="ZA Verify" width="646" height="750" />
&nbsp;
💰 Check your Monthly Spending 💰
&nbsp;
Once you&rsquo;re on a holiday overseas, there&rsquo;s so much to see, and eat, and buy, and spend&hellip; and suddenly, you&rsquo;ve spent too much! How can you keep track of your spending? It&rsquo;s easy:
&nbsp;
💡 Step 1: From the ZA Bank App homepage, tap on Account, ZA Card, and then the Monthly Spending icon.
💡 Step 2: View a breakdown of your monthly expenses, from groceries to ATM withdrawals! &nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/4f460d2c-d784-400e-aca8-8222dd9d1e45/1bf96907-118c-4b3d-bba9-c407512224bd/Monthly spending EN.gif" alt="Monthly spending" width="646" height="750" />
&nbsp;
And this concludes our monthly features deep dive for May! Don&rsquo;t worry, we&rsquo;ll have more tutorials and feature highlights in the months ahead! In the meantime, we wish you all safe travels, an upcoming happy holiday, and most importantly, safe spending with ZA Bank! &nbsp;😁⛱️ &nbsp;

【ZA Bank】Summer travel tutorial: 4 ways to spend safely abroad! ⛱️

At ZA Bank, our commitment to providing seamless and reliable banking services remains our top priority. As part of our ongoing efforts to enhance our offerings and ensure the sustainability of our services, we are introducing a new fee related to frequent transaction declines due to insufficient balance. We want to communicate this change transparently and explain its necessity.  
<h2 class="MsoNormal">What&rsquo;s changing?</h2>
Currently, about 1% of our customers experience 15 or more transaction declines (including scheduled/recurring fund transfer, fund transfer via electronic direct debit authorisation (eDDA), cash withdrawal and ZA Card transaction) in a month because of insufficient balance in their savings accounts. While this might seem small, these declines account for over 8% of our operational costs related to processing transactions. This trend has been growing and affects our ability to offer competitive services to everyone. The good news? Most of our customers manage their accounts well, so this fee won&rsquo;t apply to them. 🫰
&nbsp;
<h2 class="MsoNormal">Why do declined transactions cost money?</h2>
<ol style="margin-top: 0in;" start="1" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;">Authorisation process: Every time you attempt a transaction with your account or ZA card 💳, we need to check your account balance and other details to ensure everything is secure and reliable.</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;">Network fees: Payment networks like Visa charge fees for processing transaction requests, even if they&rsquo;re declined. These fees help keep our transaction network secure and efficient.</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;">Operational integrity: Managing transaction requests - whether approved or declined - requires strong systems and compliance with regulations, ensuring your banking experience is safe🛡️.</li>
</ol>
<h2 class="MsoNormal"> What&rsquo;s the new fee?</h2>
To maintain fairness and sustainability, we&rsquo;ll be introducing a fee of HKD 120 for customers who have 15 or more declined transactions in a month due to insufficient balance. This will help us manage our operational costs while continuing to invest in features and services that benefit all our 800,000 users. 
&nbsp;
<h2 class="MsoNormal">How we&rsquo;re here to help 💁🏻</h2>
We understand that changes like this can be worrying, and we&rsquo;re committed to making this transition as smooth as possible for you:
<ol style="margin-top: 0in;" start="1" type="1">
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;">Auto top-up feature: Our &ldquo;Auto Top-up&rdquo; feature automatically transfers funds from a designated bank account when your ZA Bank savings account balance falls below a certain level after any transactions. This helps reduce the chance of declined transactions.</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;">Notification system: We&rsquo;ll notify you through the app📱 if your account is with low balance, giving you time to adjust your spending or add funds.</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;">Customer support: Our friendly customer service team is always here to answer your questions and provide guidance on managing your account to avoid these fees.</li>
</ol>
&nbsp;
<h2 class="MsoNormal">Supporting our community🫶</h2>
We&rsquo;re committed to supporting our customers, especially those who may be facing financial difficulties. If you&rsquo;re in need, we can discuss exemptions or refunds for certain fees. Additionally, if we detect any fraudulent activity in the transaction, we&rsquo;ll work with you to refund any associated fees. Just reach out to us, and we&rsquo;ll do our best to help.
&nbsp;
<h2 class="MsoNormal" style="text-align: left;">Thank you for your trust</h2>
We appreciate your understanding as we implement this change. Our goal is to ensure that ZA Bank remains a trusted partner in your financial journey, providing the best possible services and solutions💯. Thank you for being a valued member of our community!
&nbsp;

🤗 Caring for your banking needs: Introducing our insufficient balance handling fee

【ZA Bank】🤗 Caring for your banking needs: Introducing our insufficient balance handling fee

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

Everyone can have the chance to become a millionaire starting from today! 😎
&nbsp;
You can participate in the Millionaire PowerDraw by spending with your ZA Card, and every month we will draw a lucky winner who will win $1 million in cash 🎉 
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/78b6aba4-e174-4b4e-8845-b7b01654d257/678e50c6-75b7-4379-9361-cc66a1cd5ef3/MicrosoftTeams-image (560).png" alt="" width="305" height="127" />
You need to collect MillionTix! 🎟️ We&rsquo;ll draw a winner every month. The more MillionTix you have, the higher your chances of winning $1 million in cash!
&nbsp;
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/78b6aba4-e174-4b4e-8845-b7b01654d257/6dde356e-b500-4e31-a1da-741ee40a371f/MicrosoftTeams-image (562).png" alt="" width="279" height="116" />
💳 Spend with ZA Card
&nbsp;
<ol>
<li>Get a chance to win 1 MillionTix through PowerDraw <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/78b6aba4-e174-4b4e-8845-b7b01654d257/a0109fdd-1acd-4ce3-b740-4b38bfa4c342/MicrosoftTeams-image (561).png" alt="" width="153" height="130" /></li>
</ol>
&nbsp;
<ol start="2">
<li>Clear all boxes in the same PowerDraw machine to get 1 MillionTix <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/78b6aba4-e174-4b4e-8845-b7b01654d257/bd54e7d6-7f87-4ba2-aa2d-f91b2421e66d/MicrosoftTeams-image (553).png" alt="" width="182" height="173" />&nbsp; </li>
</ol>
🎁 ZA Quest
Complete any of the designated tasks below to get a MillionTix 🎟️ &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; <img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/78b6aba4-e174-4b4e-8845-b7b01654d257/6ba4d46c-12f7-48a5-b6a5-14d0cb414e8c/MicrosoftTeams-image (564).png" alt="" width="167" height="142" />
- Open a ZA Bank account
- Successfully refer a friend for account opening (*Only applicable to customers who opened an account with Hong Kong Identity Card)&nbsp;
- Pay any ZA Insure policy premium (*Only applicable to customers who opened an account with Hong Kong Identity Card)
- Complete the special Millionaire PowerDraw quest
<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/78b6aba4-e174-4b4e-8845-b7b01654d257/d5ec19bd-a494-4cc1-86e0-da69c5fa5693/MicrosoftTeams-image (556).png" alt="" width="218" height="185" />
When can I know of the winning result?
We will draw 1 lucky million-dollar winner each on 13 Aug 2022 and 10 Sep 2022! Pay attention to the announcement of the winner list on ZA Bank&rsquo;s official website, Facebook and Instagram on that day. We will also send a notification to the winner through ZA Bank App! 😊 &nbsp; So, what you are waiting for? Spend with your ZA Card now for a chance to get a million dollars! 🤑
&nbsp;
&nbsp;
*The promotion period will be from now until 31 August, (two rounds of campaigns, one for each calendar month). After participating in PowerDraw or completing designated tasks, users will have the opportunity to get a MillionTix. ZA Bank will draw one of the MillionTix after each round, and the owner of the MillionTix will receive a HK$1,000,000 cash reward. <a href="https://bank.za.group/agreement/html/en_US/1000687">Terms and conditions</a> apply.