Opening a ZA Bank account? Remember to enter your referral code during the application.

Eligible new customers who successfully open a ZA Bank savings account in Hong Kong using 1E53KI by 18 November 2026 can receive welcome coupons with a total face value of HK$2,000. Completing the specified deposit and asset requirements can also unlock a time-deposit rate-up coupon and a USD 30 Micron Technology (MU) stock redemption coupon.

Check that 1E53KI is entered when you open the account, then choose the tasks that fit your existing plans.

What is included in the HK$2,000 welcome package?

The package contains:

  • HK$1,000 in stock cash-rebate coupons
  • HK$800 in fund-holding rebate coupons
  • An HK$100 currency-exchange discount coupon
  • An HK$100 overseas-remittance cash-rebate coupon

If you already plan to invest, exchange currency or send money overseas, check which coupons you can use before arranging a transaction.

HK$2,000 is the combined face value of the coupons. Each has its own transaction threshold and expiry date. For example, the HK$780 fund-holding coupon requires a subscription of at least HK$500,000 or USD 64,000 and continuous holding of the corresponding units for 39 days after unit confirmation. Use the offers that suit your original plans.

Make a qualifying deposit to claim a time-deposit rate-up coupon

If you have Hong Kong dollars you will not need immediately, consider the welcome time-deposit offer.

Make a single deposit of HK$1,000 or more, or its equivalent, within 14 days after successful account opening to qualify for a +19.9% p.a. seven-day HKD new-funds time-deposit rate-up coupon. Combined with the basic rate currently displayed by the bank, the total annualised rate is 20% p.a.

The coupon applies to up to HK$20,000 of new funds. Claim it through ZA Quest within seven days of meeting the deposit requirement, then use it within seven days of collection.

For an illustrative HK$20,000 deposit at 20% p.a. for seven days, assuming a 365-day year:

Estimated interest: approximately HK$76.71.

The bank's calculation determines the actual interest. The 20% figure is an annualised rate; the amount earned is calculated for the seven-day term. Set aside money for everyday expenses before placing a deposit.

Meet the asset requirements for a USD 30 stock redemption coupon

Under the current asset-achievement plan associated with our code, an eligible new customer must meet one of these requirements on a day within 14 days after opening the account, then maintain that requirement for a cumulative 14 days within the first 30 days:

  • End-of-day stock assets of at least HK$10,000 or equivalent
  • End-of-day fund assets of at least HK$100,000 or equivalent
  • End-of-day deposit balance of at least HK$200,000 or equivalent

After qualifying, claim the USD 30 Micron Technology (MU) stock redemption coupon through ZA Quest within seven days. The coupon is valid for 30 days after collection, and US stock trading must be activated before use.

Consider this reward if it fits your existing financial arrangements. Investment prices fluctuate, and the bank's records determine whether the requirements are met.

Remember to enter 1E53KI when opening your account

You must qualify as a new ZA Bank customer, including never having held its products such as a deposit or loan account. You must open the account in Hong Kong and pass the bank's account-opening checks.

Use the link below to view the offer, download the official app and check that 1E53KI is entered during your application. After opening the account, complete any deposit, coupon-collection and other tasks within their respective deadlines.

View the ZA Bank welcome offer | Referral code 1E53KI

Referral disclosure: this article contains a personal referral link shared by us. The referrer may receive a bank reward when you use the code and fulfil the specified requirements. Investment involves risks. Terms and conditions apply. This referral material may only be distributed or circulated within Hong Kong.

Reference: ZA Bank referral programme terms