ZA Bank Sign-up Offers & RewardsZA Bank sign-up rewards · Code U3DEE5

Overview

ZA Bank is currently running: Rewards worth up to HKD 2,000 (Sign-up + Deposit + Milestone Rewards); 20% p.a. (7 days) (20% p.a. on a 7-day HKD time deposit). Verified 2026-10-11 — always confirm on the official activity page.

Bonus · don't skip this step
Referral codeU3DEE5
Where to enter

Download the ZA Bank app, register and enter U3DEE5 in the "Invite / Referral Code" field. Some campaigns also allow filling it in later inside the app.

Campaign period

Until 2026-11-04 (as per the official activity page).

Note

Reward contents change with each campaign cycle — the in-app activity page prevails.

Limited-time offers

Sign-up + Deposit + Milestone Rewards Rewards worth up to HKD 2,000 21 days left

Open an account with code U3DEE5 and meet the deposit condition to receive rewards worth up to HKD 2,000: stock cashback vouchers (HKD 340x1, HKD 200x2, HKD 100x2, HKD 60x1), fund holding cashback (HKD 780 + HKD 20) and an FX instant discount (HKD 100).

Eligibility

New customers in Hong Kong (residents and visitors) who have never held any ZA product and successfully open an account while in Hong Kong.

  • Opening the account is free with no minimum deposit.
  • The deposit reward requires a single deposit of HKD 1,000 or more within 14 days of opening.
  • Rewards are credited to the account within 30 working days after conditions are met.
  • Voucher denominations and bundles change with each campaign cycle — the in-app activity page prevails.
Official offer page ↗
20% p.a. on a 7-day HKD time deposit 20% p.a. (7 days) 21 days left

After depositing HKD 1,000 or more, claim a +19.9% p.a. 7-day deposit booster in ZA Quest within 7 days. Stacked on the base rate this totals 20%, capped at HKD 20,000 of new funds.

Eligibility

Eligible new funds only; the booster must be claimed manually within 7 days of depositing.

  • The booster must be claimed manually in ZA Quest — it is not applied automatically.
  • Capped at HKD 20,000 of new funds; anything above earns the base rate.
  • After 7 days the deposit rolls over at the prevailing rate or can be withdrawn.
Official offer page ↗

How to claim

  1. Download the ZA Bank app (App Store / Google Play, or the APK at bank.za.group).
  2. Register and enter U3DEE5 in the "Invite / Referral Code" field — do it during sign-up.
  3. Make a single deposit of HKD 1,000 or more within 14 days of opening the account.
  4. Rewards are credited within 30 working days once conditions are met. Claim the 7-day deposit booster in ZA Quest within 7 days of depositing.
Verified 2026-10 Official offer page ↗

Standing perks (no end date)

  • ZA Card spending rewards · Up to 3% stock back (StockBack)：Pay with ZA Card on eligible spending to earn up to 3% back in stocks (StockBack), credited to your ZA investment account.

Standing benefits in detail

  • No minimum deposit, no management fee：There is no minimum opening deposit, no management fee and no minimum balance requirement — ideal if you want to open an HKD account first and decide later how much to fund it with.
  • No minimum balance：Most traditional banks charge a monthly fee once the balance falls below a threshold. ZA has no such line, so a dormant account will not slowly be eroded by fees.
  • Fully online, as fast as 2 minutes：Everything happens in the app: upload your ID / Exit-Entry Permit, complete face verification, then fill in basic details. Most people finish within 10 minutes while in Hong Kong, with results in as fast as 2 minutes.
  • Multi-currency account：Hold HKD, CNY and USD in one account and do FX, cross-border transfers, bill payments and investing from the same place — no need for multiple accounts.
  • 24x7 banking：As a virtual bank there are no branch hours: support and account operations run 24/7, so issues at night or on public holidays get handled immediately.
  • Licensed virtual bank in Hong Kong：Founded by ZhongAn Online, ZA Bank is licensed by the Hong Kong Monetary Authority. Eligible deposits are covered by Hong Kong's Deposit Protection Scheme (up to the scheme's published cap) under the same regulatory framework as traditional banks.

FAQ

How much do I need to deposit to get the ZA Bank reward?

Opening the account is free with no minimum deposit. To earn the deposit reward you need a single deposit of HKD 1,000 or more within 14 days of opening.

Where do I enter the invite code U3DEE5?

Download the ZA Bank app and enter U3DEE5 in the "Invite / Referral Code" field during registration. Some campaigns also let you add it later inside the app.

How long until the ZA Bank reward arrives?

Once the conditions are met, rewards are credited to your account within 30 working days.

How do I get the 20% HKD time deposit rate?

Deposit HKD 1,000 or more, then claim the +19.9% p.a. 7-day booster in ZA Quest within 7 days. Stacked on the base rate that is 20%, capped at HKD 20,000 of new funds.

Can non-Hong-Kong residents join?

The campaign targets new customers in Hong Kong (residents and visitors). You must open the account while in Hong Kong and must never have held any ZA product.

Open with U3DEE5 to claim

Applying with complete documents significantly lowers the rejection risk. Policies change — confirm with the bank before you go.

Open an account with code U3DEE5 ↗ Some "apply" links are affiliate (commission) links. They do not affect our objective assessment — whether you apply through this site is entirely your choice.

Related categories

No Minimum Deposit No Monthly Fee Fully Online Multi-Currency Fast Approval Digital Banks Accounts in Hong Kong, China

← Back to ZA Bank

Bank sign-up offers change frequently by region and quarter. Information verified 2026-10; amounts and conditions follow the bank's official activity page.

Guides mentioning this bank

How to Open a Hong Kong Bank Account (2026 Guide)→ Hong Kong's 8 Virtual Banks Compared: ZA, Mox, Airstar, WeLab→ Open a Bank Account Fully Online — No Branch Visit→ Zero-Minimum, No-Fee Bank Accounts→
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