Comparison

I Win Authentication vs ZA Bank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

I Win Authentication

Features
Read full description

I Win Securities Limited is dedicated to providing multi-function investment services to clients. Apart from the established online securities trading system, I Win Securities Limited is now offering a new cyber securities mobile application, I Win Authentication. This new application has been reviewed by i-TotalSecurity Consulting Limited and passed industry standard testing cases. It operates quickly, smoothly and stably, aiding you to exploit every investment opportunities ahead at your fingertips. Main features include: • Simple Operation: Take only 4 steps to finish the Token 2-Factor Authentication • High Security: Use auto-generated password for second login • No Boundary: Can be used outside Hong Kong • Convenient: Take only few seconds to finish through mobile application For any enquiries, please feel free to contact our Hotline at 2688-6333 DISCLAIMER I Win Securities Limited and/ or Third-Party Information Providers endeavor to ensure the accuracy and reliability of the information provided, but do not guarantee its accuracy and reliability. I Win Securities Limited accepts no liabilities whatsoever from any losses or consequences whatsoever, directly or indirectly, resulting from any use of or reliance on such information.

About

ZA Bank

This regulated digital bank offers a comprehensive suite of financial services, including deposits, loans, foreign exchange, and investment options, all within a single mobile application. Experience fast account opening and a customizable debit card with enhanced security features.

Highlights
  • Deposits and loans
  • Foreign currency exchange
  • Local and overseas transfers
  • Insurance and stocks
  • Customizable debit card
  • Fast account opening
Features
Read full description

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.

Screenshots

I Win Authentication4 screens
ZA Bank4 screens

Verdict

The call

The clearest difference is update cadence: ZA Bank at every 2 weeks against I Win Authentication's every 11 months. I Win Authentication's advantage is iOS requirement (10.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

I Win Authentication ships an update every 11 months, ZA Bank every 2 weeks. The most recent releases landed on September 8, 2026 and September 25, 2026 respectively.

Scorecard2 real differences · 8 level
I Win Authentication versus ZA Bank: the parameters behind the verdict, then further details
ParameterI Win AuthenticationZA Bank
PriceFreeFree
Rating—4.8 (3.8K ratings) — better
Positive reviews—62.8% of reviews
Number of ratings—3.8K — better
Update frequencyEvery 11 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS10.0 — better15.0
Further details — not scored
Size27 MB259 MB
Age rating4+4+
DeveloperI Win Securities LimitedZA Bank Limited

Bugs and requests

I Win Authentication

Not enough reviews yet to summarise bugs or requests.

ZA Bank

Reported bugs

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

Requested features

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

In-app purchases

None

I Win Authentication

No in-app purchases

None

ZA Bank

No in-app purchases

Questions

Is I Win Authentication free?
I Win Authentication is free to download, with no in-app purchases.
Is ZA Bank free?
ZA Bank is free to download, with no in-app purchases.
Do I Win Authentication or ZA Bank have ads?
Neither I Win Authentication nor ZA Bank shows ads.
Which is updated more often, I Win Authentication or ZA Bank?
I Win Authentication ships an update every 11 months, and ZA Bank every 2 weeks. Most recently, I Win Authentication was updated on September 8, 2026 and ZA Bank on September 25, 2026.

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