ZA Bank

ZA Bank Limited

About this app

ZA Bank is a regulated and licensed Hong Kong bank and the first digital bank to launch in Hong Kong. It offers services and features like deposits, ZA Card, loans, foreign currency exchange, local and overseas transfers, insurance and more in one app. In addition, ZA Bank also offers an award-winning Business Internet Banking platform!

Experience the difference:

ZA Card – The first Visa debit card with your own number in Hong Kong
Get the first Visa debit card with a customisable card number in Hong Kong! You can even apply for a physical card! To protect you from the risk of theft, the physical ZA Card does not have a CVV or expiration date.

Open a ZA Bank account in as fast as 2 minutes**, even if you’re on holiday! Enjoy 24 x 7, full-featured digital banking services.

Visit bank.za.group to learn more about our products and services.
*The time required to open an account depends on the actual circumstances. In general, users can open an account in as fast as 2 minutes, without submitting any additional information.

To enhance your user experience, when you join our marketing campaigns, games, or use interactive features in the ZA Bank App, we may collect your step count data from your device.

On iOS, after you log in and grant authorisation, your step count will be synced from Apple Health (HealthKit). This data may come from your iPhone, Apple Watch, compatible wearables, or apps connected to Apple Health. On Android, after you log in and grant authorisation, your step count will be synced from your chosen app (e.g. Health Connect). You can connect your wearable/fitness device to that app for syncing.

Minimum permissions and user control: We request read-only access to your step count data and will not collect other data, e.g. heart rate, sleep data, or location. You can revoke or adjust permissions at any time via your device settings/health platforms, and disable related features in the ZA Bank App. If your permission is not granted or later revoked, your step count will no longer be synced. Some interactive features may be limited as a result, but this won't affect your use of ZA Bank's core banking functions. We only use step count data for the interactive features described above, and not for personalised ads. We use industry-standard security measures to protect this data. View our Privacy Policy for details.

This banking mobile application (“App”) is provided by ZA Bank Limited (“We”, “us” or “our”) for use only by our existing customers or persons holding a valid identity document and having a valid residential address (“Customers”). Please do not use this App if you do not have a valid identity document and a residential address or (if outside Hong Kong) you are not our existing customers. This App and the information provided through it is not intended for use by any person in any jurisdiction where such use would not be permitted by law or regulation. Any person who is not a Customer who uses the App, releases us from any liability, claims, damages, losses or costs arising from any non-compliance with the applicable procedures and instructions herein.

We are not authorised or licensed in any other jurisdiction for the provision of the products and/or services available through this App, nor do we represent or warrant that contents on this App are appropriate or available for use outside Hong Kong. Please ensure you comply with local laws and regulations applicable to you before using this App or our services.

This App should not be considered as communicating any invitation or inducement to engage in banking or lending, or any offer or solicitation to provide products or services to any person where the local law or regulation does not permit such activity or the use of such products or services. By applying for any products and/or services through this App, you declare and confirm that you comply with local laws and regulations applicable to you for using this app or our services.

Ratings and reviews

EDIT: I loved the original app. It was so intuitive and user-friendly. The updated version is cluttered, confusing, overwhelming...and that's upsetting and frustrating. It used to be a great example of how a brand could actually put the user first - as I noted in my review in 2021; even with moments of Chinglish and what I found personally to be unnecessary gamification, it was easy to find what you needed and get out. In 2021, I gave it 5 stars. I've had to knock 2 stars off. Please fix!

It steals your clipboard every time you open the app and displays "ZA Bank has pasted from your clipboard". It also wants your location access and prompts every time you open the app, even though there are zero use cases of location in the app. Clear breach of personal data security Edit: It now disables the entire app when you have USB debugging. Very unfriendly to people who are involved in app development

App is fast enough not be annoying anymore, congrats. Please keep the common workflows working reliably & fast. Also, this bank account is a good deal on ATMs as I don't have to check for jetco vs hang seng. Now the biggest painpoint is the popups. Currently there is a popup every few seonds. There should be none!

What’s new

We will continually enhance the ZA Bank App's features, so that you can always enjoy top-notch service and a cutting-edge digital banking experience!