Comparison

ZA Bank vs 账小七

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

Head to head
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.

About

账小七

Features
Read full description

账小七是一家人工智能财税品牌,拥有自主研发的人工智能财税服务系统,通过大数据、量化模型及算法,真正实现了机器记账取代人工。发票拍照上传,自动完成财务记账,一键智能报税,能够真正为企业用户提供“记账”服务,而不是传统代账模式下的“记票”服务,所有记账数据时时在手机端反馈,用户可随时监督查看,从票到账到稅,全程可视化记账,专属财税顾问一对一服务,简单、方便、智能、高效!

Screenshots

ZA Bank4 screens
账小七3 screens

Verdict

The call

The clearest difference is iOS requirement: 账小七 at 13.0 against ZA Bank's 15.0. On price, update cadence, ads and in-app purchases 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

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 26, 2026 and October 17, 2026 respectively.

Scorecard1 real difference · 9 level
ZA Bank versus 账小七: the parameters behind the verdict, then further details
ParameterZA Bank账小七
PriceFreeFree
Rating4.8 (3.8K ratings) — better—
Positive reviews66.7% of reviews—
Number of ratings3.8K — better—
Update frequencyEvery 2 weeksEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size258 MB54 MB
Age rating4+4+
DeveloperZA Bank LimitedZhangXiao7(Beijing) Technology Co., Ltd

Bugs and 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

账小七

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ZA Bank

No in-app purchases

None

账小七

No in-app purchases

Questions

Is ZA Bank free?
ZA Bank is free to download, with no in-app purchases.
Is 账小七 free?
账小七 is free to download, with no in-app purchases.
Do ZA Bank or 账小七 have ads?
Neither ZA Bank nor 账小七 shows ads.
Which is updated more often, ZA Bank or 账小七?
ZA Bank ships an update every 2 weeks, and 账小七 every 2 weeks. Most recently, ZA Bank was updated on October 26, 2026 and 账小七 on October 17, 2026.

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