ZA Bank PJ3Y13: conditional welcome vouchers
Open a new ZA Bank savings account in Hong Kong with PJ3Y13 by 18 November 2026. The advertised HK$2,000 is voucher value with transaction and holding thresholds, rather than cash. Within 14 days you can also unlock two +19.9% p.a. 7-day HKD time-deposit coupons and a conditional US$30 MU stock voucher, which is not a draw.
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Use code PJ3Y13 for the ZA Bank (眾安銀行) offer. New eligible customers can get HK$2,000 vouchers after meeting the requirement: Each voucher has its own transaction and holding conditions; the HK$780 fund voucher needs HK$500,000 subscribed and 39 consecutive holding days. Within 14 days, a single HK$1,000 deposit unlocks the first deposit coupon (new funds up to HK$20,000), and an end-of-day total balance of HK$1,000 with deposits, funds and stocks held on the same day unlocks the second (up to HK$50,000). Check the reward plan in the app.. Last verified 2026-10-31.
- Reward
- HK$2,000 vouchers
- Referral code
PJ3Y13- Last verified
- 2026-10-31
- Difficulty
- Medium
- Time to claim
- 15-30 minutes to open an account online, plus any welcome tasks
- Time to payout
- Rewards within 30 working days of meeting each condition; stock-voucher cashback within 3 trading days of settlement. Claim deposit coupons and the MU voucher in ZA Quest within 7 days of qualifying.
PJ3Y13Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Check you are new to ZA Bank: you must never have held any ZA Bank product (deposit or loan account included).
- Tap Claim so invite code PJ3Y13 is attached, or enter PJ3Y13 when the app asks for an invite code. The code must be entered while you open the account — it cannot be added later.
- Open a ZA Bank savings account while you are in Hong Kong, between 10 September and 18 November 2026.
- Check the voucher pack in the app. Each voucher is valid for 30 days and has its own threshold, so only use the ones that match money you were already going to invest, convert or send. Stock-voucher cashback reaches the savings account within 3 trading days of settlement.
- Within 14 days of opening (day 1 is the day after opening), deposit at least HK$1,000 in one go to unlock a +19.9% p.a. 7-day HKD new-funds time-deposit coupon (20% p.a. with the base rate; new funds up to HK$20,000). On one of those days, an end-of-day total balance of at least HK$1,000 with deposits, funds and stocks all held that day unlocks a second coupon (up to HK$50,000). Claim each reward in ZA Quest within 7 days of qualifying; a coupon is valid for 7 days after you claim it.
- Rewards are credited within 30 working days of meeting the conditions. If the account is closed or abnormal during the campaign or payout period, ZA Bank may withhold them.
Eligibility & requirements
- New ZA Bank customers only: never held any ZA Bank product.
- Open the savings account in Hong Kong during 10 September – 18 November 2026 and enter invite code PJ3Y13 at account opening.
- The HK$2,000 figure is the marketed value of vouchers, each with a minimum transaction; vouchers expire 30 days after you receive them.
- Only one invite code per person, and ZA Bank may set daily quotas or redemption limits. ZA Bank's other code-based opening offers cannot be combined with this referral.
- Investment and foreign exchange involve risk; the stock voucher is not a recommendation. This is not financial or investment advice.
- The US$30 MU voucher follows the reward plan the referrer has selected when you enter the code: PJ3Y13 uses the asset plan (the default, as of 11 October 2026); the ZA Card spending plan has no MU voucher and gives the second deposit coupon for one StockBack use instead. Within 14 days of opening (day 1 is the day after opening), reach end-of-day stocks of HK$10,000, funds of HK$100,000 or deposits of HK$200,000, and hold that level for 14 cumulative days within 30 days of opening. US stock trading must be switched on; claim the voucher within 7 days and use it within 30 days of claiming. It is not a draw. Account closure started within 12 months can trigger reward recovery.
Verification notes
- Minimum spend/deposit
- Each voucher has its own transaction and holding conditions; the HK$780 fund voucher needs HK$500,000 subscribed and 39 consecutive holding days. Within 14 days, a single HK$1,000 deposit unlocks the first deposit coupon (new funds up to HK$20,000), and an end-of-day total balance of HK$1,000 with deposits, funds and stocks held on the same day unlocks the second (up to HK$50,000). Check the reward plan in the app.
- Last verified
- 31 October 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Official referral campaign with published terms and a fixed end date (18 November 2026).
- Smaller vouchers (HK$20 fund, HK$60 stock) have low thresholds.
- Extra 0.5% StockBack on the first HK$10,000 of ZA Card spend within 30 days of opening, stacking with the 1.5% StockBack (until 31 December 2026) and the 1% new-customer extra to a maximum of 3%. Select StockBack before you spend; a single spend larger than the remaining allowance gets none of the extra 0.5%.
Watch out for
- The HK$2,000 is marketed voucher value, not cash; large vouchers need substantial transactions and holding periods.
- Fund, stock, FX and remittance vouchers last 30 days; deposit-rate coupons expire 7 days after claim. From 1 November 2026 outward SWIFT remittances cost HK$70 each, which cuts the HK$100 remittance voucher to about HK$30 net.
- Investment and FX involve risk; closure within 12 months can trigger recovery of referee rewards. From 1 November 2026, 10 failed transactions for insufficient balance in a calendar month (down from 15) trigger a HK$120 fee.
FAQ
- What ZA Bank referral code should I use?
- Use PJ3Y13. Tap Claim so the invite attaches, or enter PJ3Y13 when the app asks for an invite code while you open the account.
- Is the HK$2,000 cash?
- No. ZA Bank's referral terms list ten fund, stock, FX and remittance vouchers marketed at HK$2,000 in total. Each voucher needs a qualifying transaction (from HK$1,000 up to HK$500,000) and expires after 30 days.
- When does the campaign end?
- The referral campaign runs from 10 September to 18 November 2026 (Hong Kong time), per ZA Bank's terms.
- Who counts as a new customer?
- Someone who has never held any ZA Bank product, including a deposit or loan account, and who opens the savings account while in Hong Kong.
- Is this financial or investment advice?
- No. Investment and foreign exchange involve risk. Compare fees and products before opening an account. T&Cs apply.
Related offers
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Book a Standard Chartered Hong Kong Priority Private (優先私人理財) opening through this referral link, which attaches referral code A3872270. New clients who open at a branch between 1 October and 31 December 2026 and deposit at least HK$8 million of new funds in full at sign-up receive HK$27,000 (or 270,000 Asia Miles); Professional Investor status raises this to HK$38,888, or HK$58,888 with HK$15 million or more. The funds must stay until a set date in early 2027 and the tier for 12 months; cash is paid by 30 June 2027.
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HardOnline registration plus a branch appointment to open the account; the new funds then stay in place until 31 January to 31 March 2027, depending on the opening monthPayout Cash to an HKD deposit account on or before 30 June 2027; Asia Miles, if registered by 31 January 2027, 4–6 weeks after that date, per Standard Chartered's Priority Private welcome-offer terms
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Use the SC referral route for the bank’s October–December 2026 Premium or Priority Banking welcome: base cash of HK$500–HK$22,000 for new funds from HK$100,000 or HK$1 million respectively, with separate extras on top. The referee receives the ordinary welcome offer, not an extra referral payment; deposit deadlines, holding dates and a 12-month clawback apply.
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Hard20-30 minutes to register and apply, plus new funds held until the bank's designated datePayout Cash (or CIO fund units) on or before 30 June 2027; Asia Miles 4-6 weeks after that. Miles or fund units not registered by 31 January 2027 are paid as cash, per Standard Chartered's welcome-offer terms
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