ZA Bank 4+

Your Future Bank for Now

ZA Bank Limited

    • 4.8 • 3.3K Ratings
    • Free

iPhone Screenshots


Open an account now to experience ZA Bank's convenient and secure banking services! ZA Bank is a regulated and licensed Hong Kong bank and the first virtual bank to launch in Hong Kong. ZA Bank, as “Your Future Bank for Now”, uses technology to conquer the limits of traditional banking for a more convenient banking experience!

Experience convenience:

ZA Bank is dedicated to creating an all-in-one financial services platform, which includes features like local transfer, time deposit, ZA Card, loan, foreign currency exchange, overseas remittance, insurance, investment and more in one App!

ZA Bank App – a 24 x 7, full-featured digital bank! Open an account in as fast as 2 minutes, even if you’re on holiday!
With ZA Bank, you can easily manage your banking services anytime, anywhere! The bank runs throughout the year (even during the holidays!), there’s no need to queue at branches (we don’t have any!), and our fastest account opening time is 2 minutes*!

ZA Card – The first Visa debit card with your own number
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, there is no CVV and expiration date on the physical ZA Card, and no signature is required for payments.

Your security is guaranteed:

We’re a member of the Deposit Protection Scheme
ZA Bank Limited is a member of the Deposit Protection Scheme. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$ 500,000 per depositor.

We’re a licensed and regulated bank
ZA Bank is a bank licensed by the Hong Kong Monetary Authority, and is the first virtual bank to launch in Hong Kong. We are regulated by the same laws and operating standards applicable to traditional banks.

Visit to find out more details about our products and services.

Terms & conditions apply. Visit to find out more.

*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.

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.

What’s New

Version 3.4.0

We will continue to optimize our App's functions to provide you with better service and a more excellent experience!

Ratings and Reviews

4.8 out of 5
3.3K Ratings

3.3K Ratings

nahc ial ,

Thanks for the wonderful job

I am so happy to get the $10,000 from the help of Za Bank! It only took 3 days for applying the bank account and registered to the cash pay out scheme then I got the money!👏👏👏

Developer Response ,

Hi nahc ial 👋 That's great, thanks for your support! 🙌 Be sure to stay tuned for our latest updates and promotional offers 😊

Xfilez76 ,

Poor facial recognition

Had the app for several years. Haven’t log on for a few months and all of a sudden it’s asking me to verify with facial recognition. Ask me to “take a selfie” except it won’t take one automatically unless it is perfectly, placed, perfectly lit, perfectly angled, perfectly timed, nothing in the background. One of the worst facial recognition software I have seen in the market. I was never able to log in to my existing account!

Developer Response ,

Hey there 👋 We're sorry to hear about this 😞 Please email us at so we can look at ways to improve your user experience 📧 You may also reach out to us via the in-app chat or give us a call on 3665 3665 if you'd like to chat to someone directly.

fatboykoo ,


Very secure in protecting the account, very efficient and user friendly interface, overall quite a good experience in using virtual banking, thumbs up! Good job, ZA bank!

Developer Response ,

Hi fatboykoo 👋 Thanks for your support! Be sure to stay tuned for our latest updates and promotional offers 😊

App Privacy

The developer, ZA Bank Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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