Comparison

ZA Bank vs CF40

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 digital bank offers a comprehensive suite of financial services, including deposits, loans, foreign currency exchange, and transfers, all within a single, regulated platform. Experience innovative features like a customizable debit card and rapid account opening.

Highlights
  • Deposits and loans
  • Customizable debit card
  • Foreign currency exchange
  • Local and overseas transfers
  • Insurance services
  • Business Internet Banking
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

CF40

Features
Read full description

CF40 APP是中国金融四十人论坛(CF40)的官方数字化平台。平台整合了原创深度研究报告、播客、专题视频及闭门研讨会等全维度内容,旨在为会员提供专业、有品质的智库研究服务。

Screenshots

ZA Bank4 screens
CF404 screens

Verdict

The call

The clearest difference is in-app purchases: ZA Bank at none against CF40's 2. On price, update cadence, ads 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. CF40 sells 2 one-off in-app purchases. ZA Bank asks for nothing beyond the download.

UpkeepUpdate frequency

ZA Bank ships an update every 2 weeks, CF40 fortnightly. The most recent releases landed on November 13, 2026 and November 9, 2026 respectively.

Scorecard1 real difference · 9 level
ZA Bank versus CF40: the parameters behind the verdict, then further details
ParameterZA BankCF40
PriceFreeFree
Rating4.8 (3.8K ratings) — better—
Positive reviews66.3% of reviews—
Number of ratings3.8K — better—
Update frequencyEvery 2 weeks — betterFortnightly
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size258 MB9 MB
Age rating4+4+
DeveloperZA Bank Limited北京四十人信息科技有限公司

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

CF40

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ZA Bank

No in-app purchases

2 purchases

CF40

One-time2
  • VIP Monthly Membership$59.99
  • VIP Annual Membership$364.99

Questions

Is ZA Bank free?
ZA Bank is free to download, with no in-app purchases.
Is CF40 free?
CF40 is free to download, with in-app purchases available.
Do ZA Bank or CF40 have ads?
Neither ZA Bank nor CF40 shows ads.
Which is updated more often, ZA Bank or CF40?
ZA Bank ships an update every 2 weeks, and CF40 fortnightly. Most recently, ZA Bank was updated on November 13, 2026 and CF40 on November 9, 2026.

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