ZA Bank Time Deposit

ZA Bank consistently offers Hong Kong's highest time deposit rates for retail customers, with promotional 1-month rates reaching 4.0-4.5% p.a. (HKD) in 2026 for new funds — substantially above the 2-3% offered by traditional banks. The minimum deposit is just HK$10,000, deposits can be opened 24/7 via app in under 60 seconds, and auto-rollover is configurable. ZA Bank is licensed by the HKMA and deposits are protected under the Deposit Protection Scheme up to HK$500,000 per depositor.