Remember that piggy bank from your childhood&nbsp;🐷? You probably saved up just for a pack of cold noodles 🍜, a pop-out pencil case ✏️ or a Pok&eacute;mon Trading Card 🎮&hellip;
Growing up means upgrading your piggy bank too! ZA Bank debuted Savings Pot1 with a clear goal in mind: It lets you withdraw funds anytime for emergencies, while also earning you interest over time 💚
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👇 Let's see how everyone shines with Savings Pot 👇
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👤⭐⭐⭐⭐⭐
Let Savings Pot turn idle money into productive fun ⏰
"I&rsquo;m a user of ZA Bank's investment fund services. When I'm undecided about my next investment move, I put my funds in the savings pot. It's a fantastic savings sub-account that allows you to withdraw funds anytime and offers an attractive savings rate, making it an excellent way to put my idle money to good use!"&nbsp;
#Idle money = ready, set, earn
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👤⭐⭐⭐⭐⭐
Build a budget to travel on the terms with Savings Pot ✈️
"Since my college days, I've made it a habit to save for travel. However, after entering the workforce, I repeatedly withdrew the travel funds from the time deposit in advance, only to have my trips cancelled due to work commitments. I came across ZA Bank's Savings Pot and decided to transfer all my travel funds into it to earn interest. Now, I have the flexibility to withdraw the money whenever I have the chance to travel. My Savings Pot's background represents my upcoming destination - Morocco!"
#Secure your finances with high-interest savings
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👤⭐⭐⭐⭐⭐
Plant the seed of saving in 5-year-old son with Savings Pot 🤓
"During Chinese New Year, my son was showered with lai see! But carrying cash is a big no-no. So I promised to help him save money in Savings Pot. I even personalised it with his photo, he couldn't be happier! Now, he always smiles when he sees the monthly interest income grow. It's a fun way for him to understand the importance of saving!"
#A customised Savings Pot for you
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👤⭐⭐⭐⭐⭐
Wave goodbye to the paycheck-to-paycheck lifestyle with Savings Pot 🌙
"Despite working for two years after graduation, I failed to save a dime! This year, I made a firm resolution to cultivate a saving habit. Thanks to Savings Pot, I can manage my spending and savings separately, ensuring I can withdraw money when needed. The thought of the monthly interest income I can earn with my Savings Pot fuels my motivation to keep saving!"
#Draw clear boundaries between expenses and savings
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Savings Pot &mdash;&nbsp;Somewhere to save, not spend!
High-yield, easy savings.
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1. Savings Pot is your savings sub-account. Savings deposits in the sub-account are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.

A piggy bank of shared memories

A piggy bank 🐷 of shared memories

ZA Bank has prepared a savings booster package for you! Dive in to discover more offers and the chance to win 800,000&nbsp;ZA Coins1&nbsp;😎! We want you to save with peace of mind and joy!
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<h2 class="MsoNormal" style="text-align: center;">Booster no.1 🚀</h2>
The maximum eligible deposit of High-rate Pot has been increased from HKD 500,000 to HKD 800,000, which means that more of your deposit can earn the reward rate! By completing Add Money Challenge and other challenges to unlock an incredible savings rate of up to 5% p.a.2 which means you can earn over HKD 1,200 more this month3
<h2 class="MsoNormal" style="text-align: center;"> Booster no.2 🚀🚀</h2>
Chill Pot shake things up, no challenges! The savings rate has been increased to 1.7% p.a.4! Compared to the 0.625% p.a. savings rate of other banks in HK5, you can easily earn over HKD 9006 more for just one month💰!
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<h2 class="MsoNormal" style="text-align: center;">Booster no.3 🚀🚀🚀</h2>
From now until 31 Oct 2024, make a single deposit of no less than HKD 100,000 into any of your Savings Pots to get a ZA Coin reward. 7 🤩!
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<h2 class="MsoNormal" style="text-align: center;" align="center">【Lucky Draw🎁】</h2>
Chance to win 800,000 ZA Coins with our Lai See Code 1
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From now until 31 Oct 2024, go to the ZA Bank App homepage &gt; All &gt; Lai See Code, enter &ldquo;ZA800K&rdquo; to win a chance of 800,000 ZA Coins, a Time Deposit New Funds Rate-up Coupon or other reward coupons1 🎉!
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Want to enjoy the savings booster package? Log into the ZA Bank App now and save with peace of mind and joy!
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ZA Bank Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$800,000 per depositor.
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1. Participate in Lai See Code for a chance to win 800,000 ZA Coins. The promotion is subject to&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001933">terms and conditions</a>.
2. The Savings Pot is your savings sub-account. Savings deposits in the sub-account are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong. During the Campaign Period, you can get reward rates of up to 4.99% p.a. in total by completing challenges of High-rate Pot. As such, you can enjoy a total savings rate of 5% p.a. for this month when including the HKD Savings basic interest rate of 0.01% p.a. The above reward rates only apply to the High-rate Pot balance of HKD 800,000 or below, which is valid from the day of completing the challenge to the last day of the month. <a href="https://bank.za.group/agreement/html/en_US/1001762">T&amp;C apply</a>.
3. For example, with a deposit difference (HKD 300,000) between HKD between HKD 800,000 and HKD 500,000, calculated based on the High-rate Pot&rsquo;s highest savings rate of 5%, you can earn over HKD 1,200 more in savings interest for this month (rounded to the nearest hundred).
4. The Chill Pot interest rate includes the HKD Savings basic interest rate and reward rates. From 1 October 2024, the participants will get a 1.69% p.a. reward rate during the Campaign Period. In addition to the basic savings interest rate of 0.01% p.a., you can enjoy a total savings rate of 1.7% p.a. The above reward rates only apply to the Chill Pot balance of HKD 1,000,000 or below.&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001921">T&amp;C</a> apply.&nbsp;
5. According to the official websites of related banking in Hong Kong announced on 24 September 2024.
6. Use a savings amount of HKD 1,000,000 as an example, based on the annual interest rate of 1.7% for Chill Pot and 0.625% for other banks in Hong Kong, the difference in interest for a month of 31 days is over HKD 900 (rounded to nearest hundred)
7. The quest is valid from today until 31 Oct 2024 and is subject to&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001382">ZA Quest terms and conditions</a>.&nbsp;

Boost your savings with the higher rate and limit from Savings Pot🔥

【ZA Bank】Boost your savings with the higher rate and limit from Savings Pot🔥

Find yourself spending days hunting for the best time deposit rate whenever you want to place a time deposit? 👀 ZA Bank&rsquo;s Rate-up Tuesday1 welcomes everyone! Whether you&rsquo;re an introvert or extrovert, make the most of those Rate-up Coupons to earn interest and build more passive income 🫵 ✨
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/74e2db60-f7a7-4964-a749-46c4c23b2df8/a8f1c8dd-f339-4e8b-b527-f8cdfea3e691/i-1.png" alt="">
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/74e2db60-f7a7-4964-a749-46c4c23b2df8/67fbcb0d-9dab-47d5-b8f7-0eb047535ece/e.png" alt="">
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Every Tuesday, head to&nbsp;ZA Bank App homepage &gt; Deposit &gt; Rate-up Tuesday
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/74e2db60-f7a7-4964-a749-46c4c23b2df8/a56ece47-0a89-498b-9855-1ea6139915fb/en - 步骤.png" alt="">
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👇 Let&rsquo;s see how everybody is making it work 👇
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👤 ⭐⭐⭐⭐⭐
Grabbing Rate-up Coupons every Tuesday is a must! 🏃💨
Even if I don&rsquo;t deposit every week, I love collecting my Rate-up Coupons each Tuesday. I get a thrill from seeing how great the rate is! 🤑
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👤 ⭐⭐⭐⭐⭐
Unlocking bonus surprise couldn&rsquo;t be easier! 😎
My friends and I started a group to help each other out. Every Tuesday, we all just tap boost to unlock bonus surprise &mdash; why not? 😌
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👤 ⭐⭐⭐⭐⭐
I always check Rate-up Tuesday when I set up a time deposit! 🤑
Whenever I want to set up a time deposit, I&rsquo;ll grab those Rate-up Coupons first thing Tuesday morning to skip the rate-searching hassle.
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Make sure to get in on Rate-up Tuesday on time 🕛 If it might slip your mind, go to Rate-up Tuesday and turn on your reminder now 🔔
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ZA Bank Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$800,000 per depositor.
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1. Rate-up Tuesday is subject to <a href="https://bank.za.group/agreement/html/en_US/1001886">Terms and conditions</a>.
2. During the promotion period, you can claim 4 Rate-up Coupons every Tuesday. When combined with the current basic interest rate, each Rate-up Coupon's annual interest rate can reach up to 9% p.a.. The currency, minimum/maximum deposit amount, period, interest rate, expiry date, whether applicable to new funds and transferability of the Rate-up Coupons should be referred to the details on the respective coupon. Rate-up Coupons are subject to <a href="https://bank.za.group/agreement/html/en_US/1001374">Terms and conditions</a>.
3. After receiving 4 Rate-up Coupons, Participants can select to tap 'Boost' on one of the Rate-up Coupons for an opportunity to receive an extra Rate-up Coupon. The currency, minimum/maximum deposit amount, period, interest rate, expiry date, whether applicable to new funds and transferability of the Extra Rate-up Coupon will be the same as the coupon picked by the Participants. The extra Rate-up Coupon can reach up to 18% p.a., which includes the current basic interest rate. Participants need to follow the instructions in ZA Bank App to share their unique referral link with friends, and invite friends to complete the specified operations. With the friends&rsquo; help progress reaches 100% by Tuesday, Participants will obtain the Extra Rate-up Coupon. Rate-up Coupons are subject to <a href="https://bank.za.group/agreement/html/en_US/1001374">Terms and conditions</a>.

Time deposit rate

【ZA Bank】Time deposit offer! Keep your rate great every Tuesday 😍

🟡：It&rsquo;s already August! Let me share with you some tips on earning ZA Bank&rsquo;s 8.8% p.a. savings rate!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/2bfdc688-9ca0-4944-acaa-f19c4f3d0f04/Pot table.png" alt="" width="588" height="300">
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/233060bc-08af-4cc6-a111-a811a440bd52/eDM 第一賺 EN.png">
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Register for Salary+1 and enjoy up to&nbsp;8.8% p.a. HKD savings rate2! Earn up to&nbsp;HKD 6,115 in interest3! <a style="color: rgb(0, 210, 143);" href="https://bank.za.group/en/salary-plus" target="_blank" rel="noopener">Register now&gt;</a>
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<h2 style="text-align: center;">✨First payroll reward</h2>
Want to boost your salary? It&rsquo;s all within your control! 😎
You can receive a 3.59% p.a. HKD Savings Rate-up Coupon4&nbsp;within 90 days, after successfully registering for Salary+ and on receiving an Eligible Salary5&nbsp;of not less than HKD 8,000 at ZA Bank. On top of the basic interest rate of 0.1%6, you will enjoy a total&nbsp;HKD savings rate of 3.6% p.a.🎉
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<h2 class="last-child" style="text-align: center;">✨Payroll Reward for 3 consecutive months</h2>
After fulfilling the conditions of "First Payroll Reward" and receiving an Eligible Salary5 of a specified amount for extra 2 consecutive months (3 consecutive months in total, including the payroll for the "First Payroll Reward"), you will receive the corresponding reward as specified in the table below, and enjoy an up to 8.8% HKD savings rate🎉
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/119d2d7f-ba5a-4902-94cd-1b68ecada8ae/Salary+ table EN.png" alt=""><img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/e4ff978c-86fc-4533-a5f4-1e106a5bc392/blob" alt="" width="416" height="496"><img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/db32358c-a2b2-42a9-baff-c0044d007af4/Salary+ table EN.png" alt="">
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Savings Rate-up Coupon is applicable to a deposit amount of HKD 0 - 200,000 and valid for 90 days.
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/737a7be6-0677-43a5-8671-ed5ca99c5d52/blob" alt="" width="363" height="363">
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Work hard to earn money and save effortlessly! ZA Bank offers a simple way to set money aside from your daily expenses👐🏻
💳 Keep some cash in the savings account for everyday spending!
🐖 Store extra cash in the Savings Pot (a savings sub-account)7 to develop a good savings habits, whether it&rsquo;s for your loved ones, a goal, or a rainy day!
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/c9db8d4f-7aeb-4070-a9f9-142a50e1e201/eDM 第2賺 EN.png">
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Create your High-rate Pot for the first time to enjoy up to an 8% p.a. HKD savings rate8&nbsp;and earn&nbsp;up to HKD 2,770 in interest9!
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🐖Exclusive reward rate for new users
We recommend everyone to have a Savings Pot &mdash;&mdash; it&rsquo;s a place to save, not spend! Users who successfully create their High-rate Pot for the first time will now enjoy a 2% p.a. reward rate10, which is valid for 15 days.
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👣Join the Walk to Earn Challenge
First in Hong Kong11! Join the limited-time Walk to Earn Challenge on or before 12 August 2024 and complete the challenges on or before 18 August 2024 to earn an extra 1% p.a. reward rate12, which is valid until the last day of this month.
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📱Get a higher rate with your daily transactions
Your everyday transactions, such as adding money, spending, investing, making bill payments, and currency exchange, can now be your rate-up buddies! Complete the designated challenges to earn up to a 4.99% p.a. reward rate13, which is valid until the last day of this month.
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/44fc3bde-3eb7-46d1-8275-cc713d69b7ce/Pot table EN.png" width="446" height="498">
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<img style="max-width:100%" style="max-width: 100%;" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/ae0c7a76-7b76-4735-8a58-c8a0baf99d01/7c1df643-33de-4434-b08b-35d6cf019ab2/How to join pot EN.png" alt="" width="368" height="368">
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Participate in the program above and earn&nbsp;over HKD 8,885 in interest!
Go to the ZA Bank App
Grow your savings right now🏃🏻&zwj;♀️💨
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<hr>
1. "Salary+" Program: Programme commences from 1 July 2024 to 31 October 2024, both dates inclusive. Eligible participant must maintain a valid ZA Bank account opended with HKID and have not received any eligible salary through ZA Bank in the past 30 calendar days (excluding the date of registration) before registering for the program. Participant must register for the programme duing the programme period, and receive salary income within specified timeframe with the method specified by ZA Bank and fulfilling the conditions to receive the corresponding rewards of "First Payroll Reward" and "Payroll Reward for 3 consecutive months". Each Participant can only receive the above-mentioned reward once during the entire programme period.&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001819" target="_blank" rel="noopener">Terms and conditions&nbsp;</a>apply.
2. The interest rate included HKD savings basic interest rate, and the HKD savings rate-up coupon of &ldquo;First Payroll Reward&rdquo; and &ldquo;Payroll Reward for 3 consecutive months&rdquo;.
3. The above calculation assumes that the participant's monthly Eligible Salary is HKD 150,000, and after reaching the "First Payroll Reward", the participant will receive a 90-day 3.59% p.a. HKD Savings Rate-Up coupon, on top of the HKD savings basic interest rate of 0.01%, participant can enjoy a total of HKD Savings rate of 3.6% p.a. Participants who maintain HKD 200,000 in HKD savings account for 90 days can earn HKD 1,775 in interest. Participants who fulfilled the "Payroll Reward for 3 consecutive months" will receive a 90-day 8.79% p.a. HKD savings Rate-Up coupon, on top of the HKD savings basic interest rate of 0.01%, participant can enjoy a total of 8.8% p.a. HKD savings rate. Participants who maintain HKD 200,000 in HKD savings account for another 90 days can earn HKD 4,340 in interest. Participants can earn a total of HKD 6,115 in interest during the programme.
4. Savings rate-up coupon will take effect on the day of issuance automatically. Savings rate-up coupon is subject to its terms and conditions. Participants should reference to the relevant&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001245" target="_blank" rel="noopener">terms and conditions</a> before use.
5. Eligible Salary: Participants' employer to have his/her monthly salary credited into his/her ZA Bank account via FPS ("Faster Payment System&rdquo;) with purpose type as &ldquo;Salary and Benefits Payment&rdquo;. Deposit of monthly salary through transfer deposit, remittance, local CHATS or standing instruction will not be considered as Eligible Salary. All Eligible Salary transaction records are determined according to ZA Bank&rsquo;s record. In the event of any dispute, the decision of ZA Bank shall be final and conclusive.
6. The above interest rate is effective on 4 August 2024. It is subject to change as per prevailing market conditions.
7. Savings Pot is your savings sub-account. Savings deposits in the sub-account are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.
8. Users who successfully create the High-rate Pot for the first time in August 2024 can enjoy an 2% p.a. reward rate, complete the limited-time Walk to Earn Challenge to get a 1% p.a. reward rate, complete all designated challenges of High-rate Pot to get reward rates of up to 4.99% p.a. in total. As such, you can enjoy a total savings rate of 8% p.a. when including the HKD savings basic interest rate of 0.01%. The reward rates obtained from each promotion campaign are determined by each of the Terms and Considtions.
9. The above calculation: Assume that the participant has successfully created the High-rate Pot for the first time in August 2024 and get 2% p.a. reward rate. At the same time, the participant always maintains a High-rate Pot balance of HKD 500,000 for 15 days to earn over HKD 410 in interest. Assume that the participant starts participating in the "Walk to Earn" from 8 August 2024, completes the "Entry Challenge" on 10 August 2024 to get a 0.3% reward rate, and completes the "Beginner Challenge" on 14 August 2024 to get a 0.7% reward rate. At the same time, the participant always maintains a High-rate Pot balance of HKD 500,000 until 31 August 2024 to earn over HKD 260 in interest. Assume that the participant has completed the designated challenges early this month. Get 1.2% p.a. by completing Spending Challenge, get 1% p.a. by completing FX Challenge, get 1% p.a. by completing Investment Challenge, get 0.59% p.a. by completing Payment Challenge on 1 August 2024. Get 1% p.a. by completing 1.2% p.a. by completing Add Money Challenge on 2 August 2024. At the same time, the participant always maintains a High-rate Pot balance of HKD 500,000 until 31 August 2024 to earn over HKD 2,100 in interest when including the HKD savings basic interest rate of 0.01%. Participants can earn a total of up to HKD 2,770 in interest during the programme.
10. From now until 31 August 2024, users who successfully create the High-rate Pot for the first time can enjoy an extra 2% p.a. reward rate, valid for 15 days. The reward rate only applies to the High-rate Pot balance of HKD 500,000 or below. <a href="https://bank.za.group/agreement/html/en_US/1001761" target="_blank" rel="noopener">Terms and conditions&nbsp;</a>apply.
11. First in HK: As of 25 July 2024, according to the information published on the official websites of 27 retail banks in HK, ZA Bank is the first bank to offer a promotion where you can earn interest by walking. Please refer to the ZA Sports Festival <a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details.
12. Participants of "Walk to Earn" must open the High-rate Pot and authorise the ZA Bank App to access to and retrieve the Actual Steps data after completing the registration on &ldquo;Walk to Earn&rdquo; page. &nbsp;After successfully registered for the game, Participants will receive corresponding challenge reward rate and Sports Cards on the day of completing the challenge, upon completion of the designated challenges from the date of registration until 18 August 2024. After completing the "Beginner Challenge" and "Advanced Challenge", Participant can receive a maximum of +1% p.a. challenge reward rate, which is applicable to HKD 500,000 or below balance in the High-rate Pot, and valid from the Completion Date to 31 August 2024. Please refer to the ZA Sports Festival <a href="https://bank.za.group/agreement/html/en_US/1001873" target="_blank" rel="noopener">terms and conditions</a> for details.
13.From now until 31 August 2024, you can get reward rates of up to 4.99% p.a. in total by completing all designated challenges of High-rate Pot. The reward rates obtained by completing designated challenges are valid from the day you receive them and will expire on the last day of the month. Spending Challenge also applies to ZA Credit users. To borrow or not to borrow? Borrow only if you can repay! Investment involves risks.&nbsp;<a href="https://bank.za.group/agreement/html/en_US/1001613" target="_blank" rel="noopener">Terms and conditions</a>&nbsp;apply.
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Important risk statement
Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.
Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from ZA Bank! Should you have any doubts regarding the identities of the message senders or authenticity of the messages, please call us at (852) 3665 3665 for verification. &nbsp;