# ZA Bank — Your Future Bank for Now

> Regulated digital bank offering comprehensive financial services in Hong Kong. (iPhone/iPad app by ZA Bank Limited.)

- Source: https://appshunter.io/ios/app/za-bank/id1477150600 (this page in markdown: same URL + `.md`)
- Developer: [ZA Bank Limited](https://appshunter.io/developer/1477150599)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 3,738 App Store ratings · 125 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 284 MB
- Languages: Chinese (Simplified, China), Chinese (Traditional, Taiwan), American English
- Released: 2019-12-18
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/za-bank/id1477150600/reviews.md

## What is ZA Bank?

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.

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.

## Key features

- Deposits and loans
- Foreign currency exchange
- Local and overseas transfers
- Insurance and stocks
- Customizable debit card
- Fast account opening

## What do users think of ZA Bank?

Overall sentiment: neutral

**Pros**

- 👍 Convenient and easy to use
- 🚀 Fast and efficient services
- 🔒 Secure banking experience
- 💡 Innovative features like FPS registration
- 🤑 Helpful for government cash payout scheme

**Cons**

- 🐛 Facial recognition issues
- 🤯 Confusing and cluttered interface
- 🔑 Tedious account verification process
- 🤖 Poor customer service and support
- 🌍 Limited availability outside of Hong Kong

**Commonly reported bugs**

- App crashes during HKID scanning
- Login issues and account lockouts
- Compatibility problems with certain devices

**Most requested features**

- Improve facial recognition accuracy
- Simplify and streamline the user interface
- Enhance customer support and communication
- Expand availability to more regions

## Recent user reviews (10 of 125)

All indexed reviews: https://appshunter.io/ios/app/za-bank/id1477150600/reviews.md

### 1/5 — This update feels like a downgrade rather than an improvement.

*2026-08-01*

The new version of the ZA Bank app has a poor layout design and a much worse user experience compared with the previous version. The interface feels less intuitive, and many functions are harder to find than before. The old version was simpler, cleaner, and more user-friendly. 
This update feels like a downgrade rather than an improvement. Please consider redesigning the layout and bringing back the simplicity and convenience of the previous version.

### 2/5 — 股票交易卡顿

*2026-07-24*

近期股票交易卡顿

### 4/5 — 怎么总卡住闪退啊

*2026-07-14*

卡住闪退怎么回事

### 5/5 — 请问深色模式什么可以上线？

*2026-07-04, version 3.9.22*

APP 体验都很好，就是差个深色模式，请问什么时候可以上线？期待开发者的回复。谢谢😮😮

### 5/5 — 请问可以增加一个可以手动打开或关闭股票标志显示的选项吗

*2026-07-01, version 3.9.22*

请问可以增加一个可以手动打开或关闭股票标志显示的选项吗

### 4/5 — 更新bug了吗？

*2026-06-30*

刚刚更新最新版本，登陆扫脸一直转圈等待，进不去了

### 3/5 — 系统崩溃

*2026-06-22, version 3.9.21*

最近总是用一会儿，然后人脸识别卡顿进不去，然后就说应用崩溃，需要修复，希望能解决

### 1/5 — Terrible Experience

*2026-06-16*

The ads appears every time when I enter the app. Also, I still receive marketing emails even I disable the direct marketing email function. ZA Bank separate the email like raising the limit from the marketing emails. So I have to block the emails from ZA Bank. All above is terrible

### 5/5 — So good

*2026-06-02*

Very good

### 3/5 — Face ID有点问题

*2026-06-01, version 3.9.18*

不好用

## Frequently asked questions about ZA Bank

### What services does this digital bank offer?

This digital bank provides a wide array of financial services including deposits, loans, foreign currency exchange, local and overseas transfers, insurance, and stock/fund investments. It also features a customizable Visa debit card and an award-winning Business Internet Banking platform.

### How quickly can I open an account?

You can open a bank account in as fast as 2 minutes, even while on holiday. The time required may depend on actual circumstances, but generally, no additional information is needed for a swift account opening process.

### What are the key features of the ZA Card?

The ZA Card is the first Visa debit card in Hong Kong with a customizable card number. You can apply for a physical card, which is designed for security as it does not have a CVV or expiration date to protect against theft.

### Who is this banking app intended for?

This banking mobile application is intended for use by existing customers of ZA Bank or persons holding a valid identity document and a valid residential address in Hong Kong. It is not intended for use in jurisdictions where such use is not permitted by law or regulation.

### Is this app available outside of Hong Kong?

ZA Bank is a regulated and licensed Hong Kong bank. The app and its services are not authorized or licensed in other jurisdictions, and its content may not be appropriate or available for use outside of Hong Kong. Users must comply with local laws and regulations before using the app or its services.

## Version history (last 5 releases)

### 3.9.25 — 2026-08-10

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!

### 3.9.24 — 2026-07-20

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!

### 3.9.23 — 2026-07-06

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!

### 3.9.22 — 2026-06-30

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!

### 3.9.21 — 2026-06-22

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!

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*