Just opened a bank account in Hong Kong, and ZA Bank (ZA Bank) has become my source of complete happiness! It's been incredibly smooth, simple, and easy to use!

No appointment needed, no need to visit offline counters and deal with service staff attitudes. As long as you're in Hong Kong, you can apply online. I submitted my application and received confirmation of successful account opening in less than 2 hours. Verified to meet all my expectations for a Hong Kong bank card:

✨No minimum deposit required, permanently free annual fees and management fees
✨Receive overseas transfers like Twitter salaries (can also receive domestic bank transfers, with automatic conversion to Hong Kong dollars)
✨Cashback on consumption
✨No need to open a brokerage separately, can directly trade US and Hong Kong stocks, invest in overseas funds, etc.
✨Can apply for a physical card for swiping purchases, free cash withdrawals at any Visa network ATM in Hong Kong, and can also withdraw cash at ATMs with Visa logo in mainland China
✨The coolest part is I used a friend's referral code to open the account, and they directly gave me 150 Hong Kong dollars in cash back, plus a bunch of cash reward vouchers so I can continuously earn lots of cash rewards... Basically I opened an account without spending money and even made some profit!
✨Now I have a referral code too. Anyone who uses my referral code to open an account can ask me for a 150 Hong Kong dollar cash rebate. As long as you deposit over 1000 HKD + buy 1 yuan in funds + 1 stock share and hold it for a day, you can get the rebate within two days of account opening. (Those wanting a referral code can add me from my profile and join my chat room to see it—both chat rooms have it)

Below I'll explain this time...