Hong Kong Virtual Bank Invite Codes: ZA Bank, Mox and EleBank Welcome Offers Compared (Updated Monthly)
By Perk editor· Last verified: 3 October 2026 (HKT)· About 8 minutes
Current referral offers from ZA Bank, Mox and EleBank in one table: rewards, promo dates, who counts as a new customer and the thresholds — which parts are cash and which are vouchers, with official terms. Updated monthly.
借定唔借？還得到先好借！ (To borrow or not to borrow? Borrow only if you can repay!)
Investing involves risk. Prices can go down as well as up and may become worthless. This is not investment advice.
How to use this page
Hong Kong virtual-bank referral campaigns usually change every one to two months. Each month we list the codes that are still live, with a link to each bank's official terms. Amounts and end dates are read straight from our offer records, so the table below changes when a record is updated, and an expired campaign shows "Offer ended" automatically.
Each bank defines "new customer" differently: some require that you have never had an account, others only look back 12 months. Check that column before you apply — if you do not qualify, entering a code will not earn a reward.
At a glance: virtual bank referral codes running now
| Bank | Invite code | Welcome reward | Promo period | New customer means | Main thresholds |
|---|---|---|---|---|---|
| ZA Bank (眾安銀行) | HK$2,000 voucher pack | 10 Sep 2026 to 28 October 2026 | Never held any ZA Bank product, and opens the account in Hong Kong | Each voucher has its own transaction threshold (HK$1,000 to HK$500,000) and must be used within 30 days | |
| Mox | Up to HK$2,200 | 14 Sep 2026 to 31 October 2026 | The terms require that you have never held a Mox account in your name | Mox Credit approved within 30 days of opening, then a card spend within 30 days of approval; other rewards have their own tasks | |
| EleBank (大象銀行) | HK$386 + 18% p.a. coupon | 23 Sep 2026 to 30 November 2026 | Valid HKID; no EleBank personal account in the 12 months before opening | Rate coupon has no task; the free stock needs an investment account; cash vouchers each need a buy or spend task |
Welcome rewards and end dates are read from the offer records; start dates, new-customer rules and thresholds were checked against the official terms on 3 October 2026. Campaigns with limited places may end early; the bank's terms prevail.
ZA Bank: the HK$2,000 is a voucher pack, not cash
According to ZA Bank's referral campaign terms, the campaign runs from 10 September to 28 October 2026. The referee must open a savings account in Hong Kong with the invite code and must never have held any ZA Bank product (deposit and loan accounts included). After opening you receive a pack of vouchers, each valid for 30 days:
Two fund-holding rebate vouchers: HK$780 needs a fund subscription of at least HK$500,000 held for 39 days; HK$20 needs just HK$1,000 held for 3 days. Six stock cash-rebate vouchers, from HK$60 (a single buy of HK$1,500 or US$200) to HK$340 (a single US-stock buy of US$40,000). There is also a HK$100 FX discount voucher and a HK$100 overseas remittance rebate voucher, each needing at least HK$40,000.
On top of the vouchers, the first HK$10,000 of eligible ZA Card spend within 30 days of opening earns an extra 0.5% StockBack, and a single deposit of HK$1,000 or more within 14 days of opening unlocks a 7-day deposit rate coupon. Depending on the reward plan the referrer has chosen, holding HK$10,000 in stocks, HK$100,000 in funds or HK$200,000 in deposits for a total of 14 days also earns a US$30 Micron (MU) stock voucher. Rewards are paid within 30 working days of meeting the conditions.
ZA Bank invite code
Provider
ZA Bank (眾安銀行)
Open a ZA Bank (眾安銀行) savings account in Hong Kong with invite code PJ3Y13 between 10 September and 28 October 2026. The referee pack is marketed as worth HK$2,000, but it is a set of 30-day vouchers rather than cash: fund-holding rebates (HK$780 needs a fund subscription of at least HK$500,000 held for 39 days; HK$20 needs HK$1,000 held for 3 days), stock cash-rebate vouchers from HK$60 to HK$340 that each need a single buy of a set size, and HK$100 FX and HK$100 remittance vouchers that each need at least HK$40,000. Referees also get an extra 0.5% StockBack on the first HK$10,000 of ZA Card spend within 30 days, plus 7-day deposit rate coupons for depositing or task completion; depending on the reward plan the referrer has chosen, a US$30 Micron (MU) stock voucher needs a stock, fund or deposit balance held for 14 days. You must never have held any ZA Bank product, open the account while in Hong Kong and enter the code when opening. Investment involves risk; this is not investment advice.
Requirement: No minimum to open; each voucher has its own threshold — e.g. HK$500,000 fund subscription for the HK$780 fund voucher, US$40,000 single US-stock buy for the HK$340 stock voucher, HK$40,000 for the FX and remittance vouchers
Medium15-30 minutes to open an account online, plus any welcome tasksPayout Welcome rewards credit after you open a qualifying ZA Bank account and complete live welcome / invite tasks — timing follows ZA Bank T&Cs
Verified 3 October 2026 · Ends 28 October 2026
Mox: the HK$200 referral reward needs a credit card approval
Mox Referral Programme 25 terms run from 14 September to 31 October 2026. After opening a Mox account with the referral code, you must apply for and be approved for Mox Credit within 30 days of opening, then make one eligible Mox credit card spend within 30 days of approval to receive HK$200 cash. In other words, if you do not want a credit card, this referral reward is not for you.
The same terms list three extra cash rewards: HK$1,000 for at least HK$2,000 of Mox credit card spend within 30 days of approval; HK$500 for moving at least HK$50,000 into HKD savings within 7 days of opening and keeping it there for 30 days (the terms say it is paid on or before 31 January 2027); and HK$500 for activating Mox Invest within 14 days of opening and making HK$50,000 of eligible investment trades within 30 days.
The terms define a referee as someone who has never held a Mox account in their name; Mox's web FAQ also mentions a 12-month rule, and where the two differ the terms prevail. Places are limited and the campaign can close early.
Mox referral code
Provider
Mox
Open a Mox account with referral code E6BZQ2 during Mox Referral Programme 25 (14 September – 31 October 2026). The referee gets HK$200 cash after opening with the code, getting Mox Credit approved within 30 days of opening and making one eligible card spend within 30 days of approval. The same terms add up to HK$2,000 more: HK$1,000 for at least HK$2,000 of Mox Credit card spend within 30 days of approval, HK$500 for moving at least HK$50,000 into HKD savings within 7 days of opening and holding it for 30 days, and HK$500 for activating Mox Invest within 14 days and trading at least HK$50,000 within 30 days. The terms define a referee as someone who has never held a Mox account in their name, and places are limited. Credit involves repayment risk — 借定唔借？還得到先好借！ Investment involves risk. This is not credit or investment advice.
Requirement: HK$200: Mox Credit approval within 30 days of opening plus one eligible card spend within 30 days of approval. Extra rewards: HK$2,000 card spend (HK$1,000), HK$50,000 held for 30 days (HK$500), HK$50,000 traded via Mox Invest (HK$500)
Medium15-30 minutes to apply, plus card approval and qualifying tasksPayout After you successfully apply for a Mox Credit Card and complete the related welcome tasks under live Mox terms — cash rewards (if any) credit to your Mox account per the referral programme schedule
Verified 3 October 2026 · Ends 31 October 2026
EleBank: the deposit rate coupon is the easiest part to use
EleBank's refer-a-friend terms run the campaign to 30 November 2026. The invitee must apply with a valid Hong Kong identity card, open the account within 15 days of applying, enter the invite code when opening, and must not have held an EleBank personal account in the 12 months before opening.
Rewards are issued after opening and are valid for 30 days: a +18% p.a. rate coupon for a 1-month HKD time deposit (up to HK$50,000, no unlock task, no bonus if withdrawn early); US$20 of NVIDIA (NVDA) stock after opening an investment account and enabling US stock trading; a HK$100 fund rebate voucher (buy HK$10,000 of funds and keep average daily assets of HK$10,000 for 30 days); a HK$100 stock rebate voucher (complete 3 stock buys); and a HK$30 spending rebate voucher (HK$300 of eligible spend in total).
The coupon is an annual rate for one month: the extra interest on HK$50,000 for a month is about HK$50,000 × 18% ÷ 12, roughly HK$750 — not 18% for a year. If you close the account within 12 months of opening, the bank may claw the rewards back.
EleBank invite code
Provider
EleBank (大象銀行)
Open an EleBank (大象銀行) Hong Kong personal account with invite code W2JRF5. New customers who apply by 30 November 2026 can receive: an 18% p.a. rate coupon for a 1-month HKD time deposit (up to HK$50,000, no unlock task); USD 20 of NVIDIA (NVDA) stock after opening an investment account and activating US stock trading; and cash vouchers of HK$100 (funds), HK$100 (stocks) and HK$30 (retail spending) for completing the stated buy-in and spending tasks. Rewards are credited after the account opens and are valid for 30 days. Eligibility requires a valid Hong Kong identity card and no EleBank personal account in the 12 months before opening; the campaign runs in Hong Kong only. Stock rewards involve investment risk and are not a recommendation. Confirm all reward details, task windows and credit timing in the EleBank App before applying. This is not financial or investment advice. T&Cs apply.
Requirement: Invite code W2JRF5; apply by 30 November 2026. NVDA stock needs an investment account plus activated US stock trading; the HK$100 fund voucher needs a fund buy-in of at least HK$10,000 equivalent with 30-day average total assets of at least HK$10,000; the HK$100 stock voucher needs 3 stock buy-ins of at least HK$0.01 each; the HK$30 voucher needs accumulated eligible retail spending of at least HK$300
Medium15-30 minutes to open an account online, plus welcome tasksPayout Rewards credit after the account opens and unlock tasks complete — timing follows EleBank T&Cs
Verified 3 October 2026 · Ends 30 November 2026
Ended: Ping An Digital Bank
Ping An Digital Bank's referral time-deposit offer ended on 30 September 2026. When we checked the Ping An Digital Bank website on 3 October, there was no new referral campaign; if one appears, we will add it at the next monthly update.
Common pitfalls before you open
- Enter the code when you open: all three banks require the invite code during account opening; it cannot be added afterwards, and each person can use only one code.
- Vouchers are not cash: ZA Bank's vouchers and EleBank's cash vouchers only pay out after the stated transaction, and they expire within 30 days. Do not buy investments you do not understand just to use a voucher.
- The annual rate lasts a month: a deposit rate coupon only applies to the stated term and cap; actual interest is calculated by the day.
- New-customer rules differ: ZA Bank requires that you never held any product; Mox's terms require that you never held an account; EleBank looks back 12 months.
- Closing early: EleBank says it can claw rewards back if you close within 12 months of opening; ZA Bank can cancel rewards if the account is closed or flagged during the campaign.
- Investment involves risk: stock and fund prices can go down as well as up, and a free share or rebate voucher is not a recommendation to hold that stock.
Sources
- ZA Bank Member-Get-Member (MGM) campaign terms and conditions · ZA Bank 眾安銀行 · accessed 3 October 2026
- ZA Bank account-opening offer (ZA6688) terms and conditions · ZA Bank 眾安銀行 · accessed 3 October 2026
- Mox Referral Programme promotion page · Mox Bank · accessed 3 October 2026
- Mox Referral Programme 25 terms and conditions (PDF) · Mox Bank · accessed 3 October 2026
- EleBank refer-a-friend account-opening campaign terms (PDF) · EleBank 大象銀行 · accessed 3 October 2026
- Ping An Digital Bank website · Ping An Digital Bank 平安數字銀行 · accessed 3 October 2026
FAQ
- When do I enter a virtual bank invite code?
- During account opening. ZA Bank, Mox and EleBank all require the invite code to be entered while you open the account; it cannot be added later, and each person can use only one code.
- Is ZA Bank's HK$2,000 cash?
- No. ZA Bank's referral terms list a pack of fund, stock, FX and remittance vouchers with a stated total of HK$2,000. Each voucher needs a qualifying transaction and is valid for 30 days after you receive it.
- Do I have to apply for a credit card to use the Mox referral code?
- The HK$200 referral reward needs Mox Credit approval within 30 days of opening and one eligible credit card spend within 30 days of approval. The deposit and investment rewards have their own tasks but sit in the same referral terms.
- How much does EleBank's 18% p.a. coupon actually earn?
- The coupon only applies to a 1-month HKD time deposit of up to HK$50,000. At the cap, the extra interest for one month is about HK$750 (HK$50,000 × 18% ÷ 12).
- How often is this page updated?
- Monthly, and straight away if a campaign ends early or its terms change materially. The last-checked date is shown at the top of the article.
Last updated 3 October 2026. Offers change frequently - always confirm details on the provider's site before applying. Not financial advice.